Home > German-American State Bank > Performance and Condition Ratios
German-American State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 1,970 |
| Cost of funding earning assets | 1.7080% | 1,433 |
| Net interest margin | 3.3437% | 2,526 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.5965% | 2,017 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7308% | 3,105 |
| Return on assets (ROA) | 0.7349% | 3,075 |
| Pretax return on assets | 0.9440% | 2,832 |
| Return on Equity (ROE) | 9.3700% | 2,670 |
| Retained earnings to average equity (ytd only) | 5.8913% | 2,288 |
| Net charge-offs to loans | 0.1950% | 551 |
| Credit loss provision to net charge-offs | 33.4694% | 2,264 |
| Earnings coverage of net charge-offs (x) | 7.1592% | 2,425 |
| Efficiency ratio | 70.9506% | 1,766 |
| Assets per employee ($millions) | 7.3892% | 1,816 |
| Cash dividends to net income (ytd only)* | 37.1134% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 2,442 |
| Loan loss allowance to noncurrent loans | 46.9447% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.8751% | 162 |
| Noncurrent loans to loans | 2.5000% | 197 |
| Net loans and leases to total assets | 74.1200% | 1,350 |
| Net loans and leases to deposits | 82.9048% | 1,875 |
| Net loans and leases to core deposits | 101.1673% | 1,371 |
| Total domestic deposits to total assets | 89.4100% | 942 |
| Equity capital to assets | 8.3028% | 3,196 |
| Core capital (leverage) ratio | 9.3724% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $329,980,400 | 2,268 |
| Average earning assets | $308,607,000 | 2,256 |
| Average equity | $25,885,800 | 2,470 |
| Average total loans | $251,228,000 | 1,997 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 1,983 |
| Cost of funding earning assets | 1.5724% | 1,427 |
| Net interest margin | 3.3631% | 2,535 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.5812% | 1,996 |
| Loan and lease loss provision to assets | 0.6700% | 109 |
| Net operating income to assets | 0.3273% | 4,085 |
| Return on assets (ROA) | 0.3332% | 4,083 |
| Pretax return on assets | 0.3874% | 4,080 |
| Return on Equity (ROE) | 4.3100% | 3,935 |
| Retained earnings to average equity (ytd only) | -0.4033% | 4,195 |
| Net charge-offs to loans | 0.2665% | 334 |
| Credit loss provision to net charge-offs | 303.5785% | 884 |
| Earnings coverage of net charge-offs (x) | 5.1610% | 2,359 |
| Efficiency ratio | 71.0655% | 1,673 |
| Assets per employee ($millions) | 7.3049% | 1,754 |
| Cash dividends to net income (ytd only)* | 109.3560% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 708 |
| Loan loss allowance to noncurrent loans | 52.2095% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 2.4957% | 97 |
| Noncurrent loans to loans | 3.2457% | 121 |
| Net loans and leases to total assets | 75.4800% | 1,178 |
| Net loans and leases to deposits | 83.7454% | 1,760 |
| Net loans and leases to core deposits | 101.9673% | 1,216 |
| Total domestic deposits to total assets | 90.1300% | 909 |
| Equity capital to assets | 7.3907% | 3,419 |
| Core capital (leverage) ratio | 8.8872% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $329,346,500 | 2,273 |
| Average earning assets | $308,475,250 | 2,253 |
| Average equity | $25,455,250 | 2,479 |
| Average total loans | $251,684,250 | 1,991 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 1,888 |
| Cost of funding earning assets | 1.3822% | 1,496 |
| Net interest margin | 3.4661% | 2,356 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.6157% | 1,883 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8439% | 2,946 |
| Return on assets (ROA) | 0.8521% | 2,921 |
| Pretax return on assets | 1.1051% | 2,636 |
| Return on Equity (ROE) | 10.8700% | 2,454 |
| Retained earnings to average equity (ytd only) | 6.2224% | 2,537 |
| Net charge-offs to loans | 0.3675% | 224 |
| Credit loss provision to net charge-offs | 24.4589% | 1,757 |
| Earnings coverage of net charge-offs (x) | 4.1645% | 2,231 |
| Efficiency ratio | 69.1370% | 1,851 |
| Assets per employee ($millions) | 7.0577% | 1,882 |
| Cash dividends to net income (ytd only)* | 42.7350% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,685 |
| Loan loss allowance to noncurrent loans | 1,678.6127% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,032 |
| Noncurrent loans to loans | 0.0688% | 3,205 |
| Net loans and leases to total assets | 74.8800% | 1,182 |
| Net loans and leases to deposits | 84.0166% | 1,667 |
| Net loans and leases to core deposits | 99.9879% | 1,239 |
| Total domestic deposits to total assets | 89.1300% | 1,206 |
| Equity capital to assets | 7.8839% | 3,288 |
| Core capital (leverage) ratio | 9.2357% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $329,554,667 | 2,280 |
| Average earning assets | $309,800,333 | 2,258 |
| Average equity | $25,842,000 | 2,472 |
| Average total loans | $251,446,667 | 1,998 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,942 |
| Cost of funding earning assets | 1.2618% | 1,323 |
| Net interest margin | 3.4013% | 2,632 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.6621% | 1,764 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.6652% | 3,540 |
| Return on assets (ROA) | 0.6844% | 3,457 |
| Pretax return on assets | 0.8744% | 3,300 |
| Return on Equity (ROE) | 8.7400% | 3,120 |
| Retained earnings to average equity (ytd only) | 4.0762% | 3,255 |
| Net charge-offs to loans | 0.6870% | 115 |
| Credit loss provision to net charge-offs | 13.8889% | 1,391 |
| Earnings coverage of net charge-offs (x) | 1.7546% | 1,958 |
| Efficiency ratio | 74.2527% | 1,316 |
| Assets per employee ($millions) | 6.5958% | 2,267 |
| Cash dividends to net income (ytd only)* | 53.3808% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 2,857 |
| Loan loss allowance to noncurrent loans | 744.4444% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 2,546 |
| Noncurrent loans to loans | 0.1531% | 2,725 |
| Net loans and leases to total assets | 75.7500% | 995 |
| Net loans and leases to deposits | 84.9819% | 1,426 |
| Net loans and leases to core deposits | 99.6359% | 1,104 |
| Total domestic deposits to total assets | 89.1400% | 1,495 |
| Equity capital to assets | 7.8305% | 3,359 |
| Core capital (leverage) ratio | 9.1990% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $328,462,500 | 2,321 |
| Average earning assets | $309,407,000 | 2,290 |
| Average equity | $25,710,500 | 2,504 |
| Average total loans | $251,520,500 | 2,020 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 1,285 |
| Cost of funding earning assets | 0.7228% | 529 |
| Net interest margin | 3.4576% | 2,074 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.5123% | 2,069 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9149% | 2,895 |
| Return on assets (ROA) | 0.9218% | 2,824 |
| Pretax return on assets | 1.2157% | 2,386 |
| Return on Equity (ROE) | 11.3400% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.4832% | 2,032 |
| Net charge-offs to loans | -0.0435% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3739% | 2,167 |
| Assets per employee ($millions) | 6.1724% | 2,620 |
| Cash dividends to net income (ytd only)* | 34.0252% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,397 |
| Loan loss allowance to noncurrent loans | 329.4505% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 1,659 |
| Noncurrent loans to loans | 0.3635% | 1,833 |
| Net loans and leases to total assets | 75.6100% | 1,044 |
| Net loans and leases to deposits | 83.3687% | 1,509 |
| Net loans and leases to core deposits | 95.5243% | 1,230 |
| Total domestic deposits to total assets | 90.6900% | 1,064 |
| Equity capital to assets | 7.8246% | 3,173 |
| Core capital (leverage) ratio | 9.1076% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $318,831,200 | 2,356 |
| Average earning assets | $302,293,400 | 2,324 |
| Average equity | $25,911,400 | 2,536 |
| Average total loans | $236,931,600 | 2,014 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 1,232 |
| Cost of funding earning assets | 0.5978% | 446 |
| Net interest margin | 3.4214% | 1,914 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.4725% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9563% | 2,639 |
| Return on assets (ROA) | 0.9656% | 2,581 |
| Pretax return on assets | 1.2670% | 2,151 |
| Return on Equity (ROE) | 11.7700% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.6383% | 2,501 |
| Net charge-offs to loans | -0.0822% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.3279% | 2,237 |
| Assets per employee ($millions) | 6.5109% | 2,311 |
| Cash dividends to net income (ytd only)* | 43.5920% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 2,905 |
| Loan loss allowance to noncurrent loans | 106.3958% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 603 |
| Noncurrent loans to loans | 1.0555% | 722 |
| Net loans and leases to total assets | 76.4900% | 858 |
| Net loans and leases to deposits | 83.9311% | 1,304 |
| Net loans and leases to core deposits | 96.9215% | 956 |
| Total domestic deposits to total assets | 91.1300% | 1,185 |
| Equity capital to assets | 7.4687% | 3,237 |
| Core capital (leverage) ratio | 9.0424% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $316,755,000 | 2,385 |
| Average earning assets | $300,645,000 | 2,353 |
| Average equity | $25,990,000 | 2,576 |
| Average total loans | $233,579,000 | 2,035 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 1,200 |
| Cost of funding earning assets | 0.4874% | 557 |
| Net interest margin | 3.3667% | 1,695 |
| Noninterest income to average assets | 0.5385% | 2,000 |
| Noninterest expense to average assets | 2.4562% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9769% | 2,238 |
| Return on assets (ROA) | 0.9910% | 2,160 |
| Pretax return on assets | 1.2963% | 1,765 |
| Return on Equity (ROE) | 11.7143% | 1,755 |
| Retained earnings to average equity (ytd only) | 4.1810% | 3,018 |
| Net charge-offs to loans | -0.1363% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7679% | 2,543 |
| Assets per employee ($millions) | 6.8506% | 2,036 |
| Cash dividends to net income (ytd only)* | 64.3087% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,011 |
| Loan loss allowance to noncurrent loans | 76.1803% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 376 |
| Noncurrent loans to loans | 1.4905% | 496 |
| Net loans and leases to total assets | 75.1982% | 802 |
| Net loans and leases to deposits | 83.0502% | 1,177 |
| Net loans and leases to core deposits | 94.0999% | 906 |
| Total domestic deposits to total assets | 90.5455% | 1,442 |
| Equity capital to assets | 7.3583% | 3,557 |
| Core capital (leverage) ratio | 9.0751% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,824,333 | 2,417 |
| Average earning assets | $297,921,333 | 2,391 |
| Average equity | $26,548,667 | 2,605 |
| Average total loans | $227,495,667 | 2,066 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 1,250 |
| Cost of funding earning assets | 0.4456% | 673 |
| Net interest margin | 3.2651% | 1,664 |
| Noninterest income to average assets | 0.6842% | 1,371 |
| Noninterest expense to average assets | 2.4628% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0068% | 1,853 |
| Return on assets (ROA) | 1.0316% | 1,743 |
| Pretax return on assets | 1.3437% | 1,396 |
| Return on Equity (ROE) | 11.3977% | 1,490 |
| Retained earnings to average equity (ytd only) | 0.5771% | 3,905 |
| Net charge-offs to loans | -0.2757% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2369% | 2,868 |
| Assets per employee ($millions) | 7.0186% | 1,985 |
| Cash dividends to net income (ytd only)* | 94.9367% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,339 |
| Loan loss allowance to noncurrent loans | 99.1253% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 561 |
| Noncurrent loans to loans | 1.3161% | 666 |
| Net loans and leases to total assets | 69.4011% | 1,072 |
| Net loans and leases to deposits | 77.9847% | 1,289 |
| Net loans and leases to core deposits | 84.9228% | 1,191 |
| Total domestic deposits to total assets | 88.9932% | 2,085 |
| Equity capital to assets | 8.5416% | 3,120 |
| Core capital (leverage) ratio | 9.1651% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,323,000 | 2,470 |
| Average earning assets | $289,978,500 | 2,443 |
| Average equity | $27,725,000 | 2,624 |
| Average total loans | $216,187,500 | 2,127 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 1,282 |
| Cost of funding earning assets | 0.5323% | 782 |
| Net interest margin | 3.5014% | 1,730 |
| Noninterest income to average assets | 0.4535% | 2,800 |
| Noninterest expense to average assets | 2.3016% | 2,791 |
| Loan and lease loss provision to assets | 0.2019% | 530 |
| Net operating income to assets | 0.9669% | 2,809 |
| Return on assets (ROA) | 0.9656% | 2,876 |
| Pretax return on assets | 1.2704% | 2,458 |
| Return on Equity (ROE) | 10.2347% | 2,440 |
| Retained earnings to average equity (ytd only) | 7.1857% | 1,849 |
| Net charge-offs to loans | 0.0975% | 868 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 21.9050% | 1,810 |
| Efficiency ratio | 60.9606% | 3,000 |
| Assets per employee ($millions) | 6.9052% | 1,987 |
| Cash dividends to net income (ytd only)* | 29.7909% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,632 |
| Loan loss allowance to noncurrent loans | 95.7219% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9344% | 613 |
| Noncurrent loans to loans | 1.3033% | 727 |
| Net loans and leases to total assets | 69.9521% | 1,052 |
| Net loans and leases to deposits | 79.5662% | 1,251 |
| Net loans and leases to core deposits | 86.5071% | 1,168 |
| Total domestic deposits to total assets | 87.9168% | 2,091 |
| Equity capital to assets | 9.5686% | 3,075 |
| Core capital (leverage) ratio | 9.2981% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,221,800 | 2,440 |
| Average earning assets | $282,000,600 | 2,424 |
| Average equity | $28,041,800 | 2,648 |
| Average total loans | $205,184,200 | 2,205 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 1,437 |
| Cost of funding earning assets | 0.5509% | 829 |
| Net interest margin | 3.4945% | 1,874 |
| Noninterest income to average assets | 0.4367% | 2,900 |
| Noninterest expense to average assets | 2.2717% | 2,829 |
| Loan and lease loss provision to assets | 0.2707% | 314 |
| Net operating income to assets | 0.9166% | 3,193 |
| Return on assets (ROA) | 0.9166% | 3,262 |
| Pretax return on assets | 1.2022% | 2,922 |
| Return on Equity (ROE) | 9.7511% | 2,824 |
| Retained earnings to average equity (ytd only) | 7.0158% | 2,414 |
| Net charge-offs to loans | 0.1362% | 597 |
| Credit loss provision to net charge-offs | 289.8551% | 1,023 |
| Earnings coverage of net charge-offs (x) | 15.7729% | 1,857 |
| Efficiency ratio | 60.6674% | 2,883 |
| Assets per employee ($millions) | 6.6473% | 2,138 |
| Cash dividends to net income (ytd only)* | 28.0512% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 2,289 |
| Loan loss allowance to noncurrent loans | 86.3871% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.0776% | 586 |
| Noncurrent loans to loans | 1.5485% | 675 |
| Net loans and leases to total assets | 64.5948% | 1,698 |
| Net loans and leases to deposits | 73.3450% | 1,923 |
| Net loans and leases to core deposits | 79.7593% | 1,759 |
| Total domestic deposits to total assets | 88.0697% | 1,802 |
| Equity capital to assets | 9.4674% | 3,407 |
| Core capital (leverage) ratio | 9.1945% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,570,250 | 2,474 |
| Average earning assets | $279,787,250 | 2,452 |
| Average equity | $27,784,250 | 2,695 |
| Average total loans | $202,675,500 | 2,256 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 1,967 |
| Cost of funding earning assets | 0.5683% | 872 |
| Net interest margin | 3.2716% | 2,547 |
| Noninterest income to average assets | 0.4429% | 2,887 |
| Noninterest expense to average assets | 2.2781% | 2,831 |
| Loan and lease loss provision to assets | 0.4107% | 149 |
| Net operating income to assets | 0.6729% | 3,825 |
| Return on assets (ROA) | 0.6729% | 3,889 |
| Pretax return on assets | 0.8632% | 3,740 |
| Return on Equity (ROE) | 7.1762% | 3,611 |
| Retained earnings to average equity (ytd only) | 5.0956% | 3,148 |
| Net charge-offs to loans | -0.0029% | 3,285 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1357% | 2,413 |
| Assets per employee ($millions) | 6.5470% | 2,122 |
| Cash dividends to net income (ytd only)* | 28.9929% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 2,174 |
| Loan loss allowance to noncurrent loans | 46.8147% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 2.1354% | 190 |
| Noncurrent loans to loans | 2.8917% | 256 |
| Net loans and leases to total assets | 69.8779% | 1,208 |
| Net loans and leases to deposits | 79.0579% | 1,514 |
| Net loans and leases to core deposits | 86.0512% | 1,411 |
| Total domestic deposits to total assets | 88.3883% | 1,625 |
| Equity capital to assets | 9.1841% | 3,620 |
| Core capital (leverage) ratio | 9.1808% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,168,000 | 2,487 |
| Average earning assets | $277,662,000 | 2,461 |
| Average equity | $27,396,000 | 2,711 |
| Average total loans | $203,502,667 | 2,258 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 1,984 |
| Cost of funding earning assets | 0.5941% | 894 |
| Net interest margin | 3.2449% | 2,562 |
| Noninterest income to average assets | 0.4310% | 2,927 |
| Noninterest expense to average assets | 2.2456% | 2,957 |
| Loan and lease loss provision to assets | 0.1460% | 903 |
| Net operating income to assets | 0.8579% | 3,242 |
| Return on assets (ROA) | 0.8579% | 3,326 |
| Pretax return on assets | 1.1305% | 3,040 |
| Return on Equity (ROE) | 9.0521% | 3,019 |
| Retained earnings to average equity (ytd only) | 4.8708% | 3,264 |
| Net charge-offs to loans | 0.0181% | 1,382 |
| Credit loss provision to net charge-offs | 1,166.6667% | 375 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 611 |
| Efficiency ratio | 63.7584% | 2,495 |
| Assets per employee ($millions) | 6.5155% | 2,163 |
| Cash dividends to net income (ytd only)* | 46.1912% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,996 |
| Loan loss allowance to noncurrent loans | 35.9776% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.3445% | 185 |
| Noncurrent loans to loans | 3.2974% | 223 |
| Net loans and leases to total assets | 67.6422% | 1,578 |
| Net loans and leases to deposits | 76.3784% | 1,864 |
| Net loans and leases to core deposits | 83.2403% | 1,741 |
| Total domestic deposits to total assets | 88.5620% | 1,580 |
| Equity capital to assets | 9.2920% | 3,400 |
| Core capital (leverage) ratio | 9.3263% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,671,500 | 2,502 |
| Average earning assets | $274,030,000 | 2,465 |
| Average equity | $27,264,500 | 2,715 |
| Average total loans | $198,587,500 | 2,293 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 2,466 |
| Cost of funding earning assets | 0.8145% | 1,150 |
| Net interest margin | 3.2699% | 3,158 |
| Noninterest income to average assets | 0.4722% | 2,763 |
| Noninterest expense to average assets | 2.3749% | 3,191 |
| Loan and lease loss provision to assets | 0.1206% | 2,857 |
| Net operating income to assets | 0.8439% | 2,921 |
| Return on assets (ROA) | 0.8502% | 3,035 |
| Pretax return on assets | 1.0966% | 2,705 |
| Return on Equity (ROE) | 8.5427% | 2,579 |
| Retained earnings to average equity (ytd only) | 4.2259% | 2,698 |
| Net charge-offs to loans | 0.0559% | 1,982 |
| Credit loss provision to net charge-offs | 310.6796% | 1,698 |
| Earnings coverage of net charge-offs (x) | 31.1553% | 1,576 |
| Efficiency ratio | 66.2601% | 2,489 |
| Assets per employee ($millions) | 6.2699% | 2,103 |
| Cash dividends to net income (ytd only)* | 50.5319% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 3,141 |
| Loan loss allowance to noncurrent loans | 53.1519% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5928% | 439 |
| Noncurrent loans to loans | 2.1881% | 493 |
| Net loans and leases to total assets | 68.8239% | 1,718 |
| Net loans and leases to deposits | 78.6858% | 2,010 |
| Net loans and leases to core deposits | 85.6840% | 1,899 |
| Total domestic deposits to total assets | 87.4668% | 1,721 |
| Equity capital to assets | 9.6705% | 3,440 |
| Core capital (leverage) ratio | 9.4102% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,362,200 | 2,488 |
| Average earning assets | $252,544,400 | 2,454 |
| Average equity | $26,408,600 | 2,718 |
| Average total loans | $184,297,200 | 2,376 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 2,563 |
| Cost of funding earning assets | 0.8696% | 1,179 |
| Net interest margin | 3.2684% | 3,287 |
| Noninterest income to average assets | 0.4442% | 2,873 |
| Noninterest expense to average assets | 2.3565% | 3,267 |
| Loan and lease loss provision to assets | 0.0639% | 3,539 |
| Net operating income to assets | 0.8681% | 2,833 |
| Return on assets (ROA) | 0.8766% | 2,920 |
| Pretax return on assets | 1.1430% | 2,587 |
| Return on Equity (ROE) | 8.7412% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.3884% | 2,852 |
| Net charge-offs to loans | 0.0772% | 1,540 |
| Credit loss provision to net charge-offs | 119.0476% | 2,499 |
| Earnings coverage of net charge-offs (x) | 22.3143% | 1,833 |
| Efficiency ratio | 66.3314% | 2,427 |
| Assets per employee ($millions) | 6.0966% | 2,181 |
| Cash dividends to net income (ytd only)* | 49.7962% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,053 |
| Loan loss allowance to noncurrent loans | 47.6277% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.6319% | 495 |
| Noncurrent loans to loans | 2.3664% | 464 |
| Net loans and leases to total assets | 66.7657% | 2,416 |
| Net loans and leases to deposits | 76.0715% | 2,746 |
| Net loans and leases to core deposits | 82.5679% | 2,615 |
| Total domestic deposits to total assets | 87.7670% | 1,310 |
| Equity capital to assets | 9.8962% | 3,337 |
| Core capital (leverage) ratio | 9.6262% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,166,250 | 2,500 |
| Average earning assets | $248,393,500 | 2,465 |
| Average equity | $26,189,500 | 2,719 |
| Average total loans | $181,254,250 | 2,403 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 2,609 |
| Cost of funding earning assets | 0.9390% | 1,194 |
| Net interest margin | 3.3108% | 3,355 |
| Noninterest income to average assets | 0.4627% | 2,750 |
| Noninterest expense to average assets | 2.3476% | 3,407 |
| Loan and lease loss provision to assets | 0.0584% | 3,571 |
| Net operating income to assets | 0.9210% | 2,620 |
| Return on assets (ROA) | 0.9339% | 2,697 |
| Pretax return on assets | 1.2229% | 2,284 |
| Return on Equity (ROE) | 9.2697% | 2,260 |
| Retained earnings to average equity (ytd only) | 4.8629% | 2,541 |
| Net charge-offs to loans | -0.0856% | 4,816 |
| Credit loss provision to net charge-offs | -97.4026% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9849% | 2,661 |
| Assets per employee ($millions) | 6.1831% | 2,038 |
| Cash dividends to net income (ytd only)* | 47.5396% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,402 |
| Loan loss allowance to noncurrent loans | 42.0295% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.9757% | 366 |
| Noncurrent loans to loans | 2.9070% | 347 |
| Net loans and leases to total assets | 65.9713% | 2,634 |
| Net loans and leases to deposits | 75.1981% | 2,953 |
| Net loans and leases to core deposits | 82.2453% | 2,762 |
| Total domestic deposits to total assets | 87.7301% | 1,318 |
| Equity capital to assets | 9.8770% | 3,307 |
| Core capital (leverage) ratio | 9.8582% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,772,000 | 2,500 |
| Average earning assets | $244,294,333 | 2,458 |
| Average equity | $25,869,333 | 2,733 |
| Average total loans | $179,919,333 | 2,399 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 2,404 |
| Cost of funding earning assets | 1.0587% | 1,190 |
| Net interest margin | 3.4079% | 3,275 |
| Noninterest income to average assets | 0.4608% | 2,744 |
| Noninterest expense to average assets | 2.3201% | 3,725 |
| Loan and lease loss provision to assets | 0.0610% | 3,009 |
| Net operating income to assets | 0.9951% | 2,185 |
| Return on assets (ROA) | 1.0179% | 2,223 |
| Pretax return on assets | 1.3439% | 1,736 |
| Return on Equity (ROE) | 9.9966% | 1,748 |
| Retained earnings to average equity (ytd only) | 5.5029% | 2,064 |
| Net charge-offs to loans | -0.0179% | 4,299 |
| Credit loss provision to net charge-offs | -475.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7715% | 3,407 |
| Assets per employee ($millions) | 5.6569% | 1,964 |
| Cash dividends to net income (ytd only)* | 44.9527% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,823 |
| Loan loss allowance to noncurrent loans | 111.9111% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,654 |
| Noncurrent loans to loans | 1.0453% | 1,593 |
| Net loans and leases to total assets | 71.7558% | 1,958 |
| Net loans and leases to deposits | 80.9140% | 2,587 |
| Net loans and leases to core deposits | 90.4035% | 2,308 |
| Total domestic deposits to total assets | 88.6816% | 808 |
| Equity capital to assets | 10.1818% | 3,620 |
| Core capital (leverage) ratio | 10.1637% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,130,000 | 2,498 |
| Average earning assets | $236,509,500 | 2,462 |
| Average equity | $25,368,500 | 2,755 |
| Average total loans | $179,029,500 | 2,369 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6742% | 2,405 |
| Cost of funding earning assets | 1.1389% | 1,195 |
| Net interest margin | 3.5353% | 3,327 |
| Noninterest income to average assets | 0.5347% | 2,558 |
| Noninterest expense to average assets | 2.3606% | 3,803 |
| Loan and lease loss provision to assets | 0.0608% | 2,826 |
| Net operating income to assets | 1.1199% | 2,369 |
| Return on assets (ROA) | 1.1317% | 2,421 |
| Pretax return on assets | 1.4930% | 1,829 |
| Return on Equity (ROE) | 11.1627% | 1,821 |
| Retained earnings to average equity (ytd only) | 2.6129% | 3,726 |
| Net charge-offs to loans | 0.0397% | 2,593 |
| Credit loss provision to net charge-offs | 211.2676% | 1,258 |
| Earnings coverage of net charge-offs (x) | 53.5070% | 1,071 |
| Efficiency ratio | 60.5381% | 3,617 |
| Assets per employee ($millions) | 5.9370% | 1,677 |
| Cash dividends to net income (ytd only)* | 76.5927% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,611 |
| Loan loss allowance to noncurrent loans | 290.8579% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 3,036 |
| Noncurrent loans to loans | 0.4009% | 3,006 |
| Net loans and leases to total assets | 70.2907% | 2,350 |
| Net loans and leases to deposits | 79.3397% | 2,860 |
| Net loans and leases to core deposits | 89.2843% | 2,487 |
| Total domestic deposits to total assets | 88.5946% | 843 |
| Equity capital to assets | 10.1838% | 3,747 |
| Core capital (leverage) ratio | 10.0813% | 3,429 |
| Tier 1 risk-based capital ratio | 12.3724% | 4,146 |
| Total risk-based capital ratio | 13.3939% | 4,168 |
| Memoranda: | ||
| Average total assets | $246,882,400 | 2,484 |
| Average earning assets | $234,970,600 | 2,441 |
| Average equity | $25,029,800 | 2,715 |
| Average total loans | $178,986,600 | 2,329 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 2,483 |
| Cost of funding earning assets | 1.1467% | 1,186 |
| Net interest margin | 3.5323% | 3,464 |
| Noninterest income to average assets | 0.5235% | 2,589 |
| Noninterest expense to average assets | 2.3221% | 3,891 |
| Loan and lease loss provision to assets | 0.0612% | 2,673 |
| Net operating income to assets | 1.1390% | 2,418 |
| Return on assets (ROA) | 1.1548% | 2,434 |
| Pretax return on assets | 1.5224% | 1,895 |
| Return on Equity (ROE) | 11.4037% | 1,839 |
| Retained earnings to average equity (ytd only) | 6.8326% | 1,936 |
| Net charge-offs to loans | 0.0216% | 2,674 |
| Credit loss provision to net charge-offs | 389.6552% | 782 |
| Earnings coverage of net charge-offs (x) | 99.5751% | 756 |
| Efficiency ratio | 59.7603% | 3,688 |
| Assets per employee ($millions) | 6.0135% | 1,595 |
| Cash dividends to net income (ytd only)* | 40.0843% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,739 |
| Loan loss allowance to noncurrent loans | 285.1444% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 3,083 |
| Noncurrent loans to loans | 0.4057% | 3,092 |
| Net loans and leases to total assets | 71.8484% | 2,198 |
| Net loans and leases to deposits | 81.5453% | 2,740 |
| Net loans and leases to core deposits | 91.1685% | 2,447 |
| Total domestic deposits to total assets | 88.1085% | 995 |
| Equity capital to assets | 10.5506% | 3,503 |
| Core capital (leverage) ratio | 10.4869% | 3,116 |
| Tier 1 risk-based capital ratio | 12.7691% | 3,977 |
| Total risk-based capital ratio | 13.8003% | 3,988 |
| Memoranda: | ||
| Average total assets | $246,264,000 | 2,506 |
| Average earning assets | $234,401,000 | 2,462 |
| Average equity | $24,938,750 | 2,739 |
| Average total loans | $179,397,750 | 2,348 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 2,534 |
| Cost of funding earning assets | 1.1493% | 1,142 |
| Net interest margin | 3.4940% | 3,614 |
| Noninterest income to average assets | 0.5216% | 2,559 |
| Noninterest expense to average assets | 2.3066% | 3,986 |
| Loan and lease loss provision to assets | 0.0609% | 2,606 |
| Net operating income to assets | 1.1253% | 2,426 |
| Return on assets (ROA) | 1.1253% | 2,498 |
| Pretax return on assets | 1.4787% | 1,921 |
| Return on Equity (ROE) | 11.2690% | 1,884 |
| Retained earnings to average equity (ytd only) | 6.6312% | 1,989 |
| Net charge-offs to loans | 0.0212% | 2,430 |
| Credit loss provision to net charge-offs | 394.7368% | 724 |
| Earnings coverage of net charge-offs (x) | 99.7368% | 699 |
| Efficiency ratio | 59.9704% | 3,733 |
| Assets per employee ($millions) | 6.0159% | 1,533 |
| Cash dividends to net income (ytd only)* | 41.1552% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 2,822 |
| Loan loss allowance to noncurrent loans | 281.6804% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 3,088 |
| Noncurrent loans to loans | 0.4062% | 3,081 |
| Net loans and leases to total assets | 71.6366% | 2,258 |
| Net loans and leases to deposits | 82.2742% | 2,700 |
| Net loans and leases to core deposits | 92.0046% | 2,420 |
| Total domestic deposits to total assets | 87.0704% | 1,567 |
| Equity capital to assets | 10.3162% | 3,680 |
| Core capital (leverage) ratio | 10.2849% | 3,301 |
| Tier 1 risk-based capital ratio | 12.4506% | 4,154 |
| Total risk-based capital ratio | 13.4607% | 4,169 |
| Memoranda: | ||
| Average total assets | $246,167,330 | 2,518 |
| Average earning assets | $234,232,000 | 2,471 |
| Average equity | $24,580,670 | 2,760 |
| Average total loans | $179,457,670 | 2,347 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 2,661 |
| Cost of funding earning assets | 1.1169% | 1,133 |
| Net interest margin | 3.4445% | 3,764 |
| Noninterest income to average assets | 0.5010% | 2,548 |
| Noninterest expense to average assets | 2.2072% | 4,241 |
| Loan and lease loss provision to assets | 0.0618% | 2,420 |
| Net operating income to assets | 1.1565% | 2,235 |
| Return on assets (ROA) | 1.1565% | 2,292 |
| Pretax return on assets | 1.5175% | 1,707 |
| Return on Equity (ROE) | 11.7771% | 1,623 |
| Retained earnings to average equity (ytd only) | 7.0563% | 2,015 |
| Net charge-offs to loans | 0.0400% | 1,701 |
| Credit loss provision to net charge-offs | 211.1111% | 1,021 |
| Earnings coverage of net charge-offs (x) | 53.9444% | 981 |
| Efficiency ratio | 58.2904% | 4,046 |
| Assets per employee ($millions) | 6.1450% | 1,439 |
| Cash dividends to net income (ytd only)* | 40.0844% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,062 |
| Loan loss allowance to noncurrent loans | 244.7016% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 3,014 |
| Noncurrent loans to loans | 0.4540% | 2,957 |
| Net loans and leases to total assets | 72.7533% | 2,033 |
| Net loans and leases to deposits | 82.4429% | 2,570 |
| Net loans and leases to core deposits | 91.9603% | 2,302 |
| Total domestic deposits to total assets | 88.2469% | 1,216 |
| Equity capital to assets | 9.9927% | 3,838 |
| Core capital (leverage) ratio | 10.1799% | 3,411 |
| Tier 1 risk-based capital ratio | 12.1641% | 4,372 |
| Total risk-based capital ratio | 13.1499% | 4,416 |
| Memoranda: | ||
| Average total assets | $245,925,000 | 2,544 |
| Average earning assets | $234,574,000 | 2,494 |
| Average equity | $24,148,500 | 2,795 |
| Average total loans | $179,817,500 | 2,371 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 2,540 |
| Cost of funding earning assets | 0.9853% | 803 |
| Net interest margin | 3.4875% | 3,746 |
| Noninterest income to average assets | 0.5884% | 2,358 |
| Noninterest expense to average assets | 2.2022% | 4,333 |
| Loan and lease loss provision to assets | 0.0491% | 3,204 |
| Net operating income to assets | 1.2692% | 1,920 |
| Return on assets (ROA) | 1.2708% | 1,911 |
| Pretax return on assets | 1.6604% | 1,276 |
| Return on Equity (ROE) | 13.6205% | 1,146 |
| Retained earnings to average equity (ytd only) | 8.6245% | 1,005 |
| Net charge-offs to loans | 0.0858% | 1,922 |
| Credit loss provision to net charge-offs | 80.5369% | 2,856 |
| Earnings coverage of net charge-offs (x) | 28.0268% | 1,666 |
| Efficiency ratio | 56.3271% | 4,369 |
| Assets per employee ($millions) | 5.7221% | 1,749 |
| Cash dividends to net income (ytd only)* | 36.6795% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 3,023 |
| Loan loss allowance to noncurrent loans | 190.5172% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 2,684 |
| Noncurrent loans to loans | 0.5839% | 2,541 |
| Net loans and leases to total assets | 71.8591% | 2,285 |
| Net loans and leases to deposits | 82.2885% | 2,696 |
| Net loans and leases to core deposits | 90.5385% | 2,522 |
| Total domestic deposits to total assets | 87.3258% | 1,631 |
| Equity capital to assets | 9.6464% | 4,011 |
| Core capital (leverage) ratio | 9.8179% | 3,778 |
| Tier 1 risk-based capital ratio | 11.9867% | 4,431 |
| Total risk-based capital ratio | 12.9653% | 4,493 |
| Memoranda: | ||
| Average total assets | $244,575,200 | 2,510 |
| Average earning assets | $232,914,600 | 2,465 |
| Average equity | $22,818,600 | 2,834 |
| Average total loans | $173,730,200 | 2,401 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,630 |
| Cost of funding earning assets | 0.9332% | 795 |
| Net interest margin | 3.4650% | 3,821 |
| Noninterest income to average assets | 0.5520% | 2,560 |
| Noninterest expense to average assets | 2.1331% | 4,482 |
| Loan and lease loss provision to assets | 0.0491% | 3,011 |
| Net operating income to assets | 1.2787% | 1,937 |
| Return on assets (ROA) | 1.2787% | 1,933 |
| Pretax return on assets | 1.6701% | 1,347 |
| Return on Equity (ROE) | 13.8232% | 1,166 |
| Retained earnings to average equity (ytd only) | 10.4589% | 777 |
| Net charge-offs to loans | 0.0928% | 1,572 |
| Credit loss provision to net charge-offs | 75.0000% | 2,584 |
| Earnings coverage of net charge-offs (x) | 26.2410% | 1,753 |
| Efficiency ratio | 55.3713% | 4,463 |
| Assets per employee ($millions) | 5.6252% | 1,804 |
| Cash dividends to net income (ytd only)* | 24.3381% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,040 |
| Loan loss allowance to noncurrent loans | 247.8803% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 3,223 |
| Noncurrent loans to loans | 0.4547% | 3,023 |
| Net loans and leases to total assets | 70.4582% | 2,574 |
| Net loans and leases to deposits | 79.5748% | 3,082 |
| Net loans and leases to core deposits | 87.0139% | 2,920 |
| Total domestic deposits to total assets | 88.5434% | 1,032 |
| Equity capital to assets | 9.3573% | 4,221 |
| Core capital (leverage) ratio | 9.7756% | 3,866 |
| Tier 1 risk-based capital ratio | 12.0193% | 4,496 |
| Total risk-based capital ratio | 13.0080% | 4,525 |
| Memoranda: | ||
| Average total assets | $244,206,250 | 2,519 |
| Average earning assets | $232,606,250 | 2,481 |
| Average equity | $22,589,500 | 2,864 |
| Average total loans | $172,463,000 | 2,427 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3263% | 2,677 |
| Cost of funding earning assets | 0.8716% | 825 |
| Net interest margin | 3.4546% | 3,786 |
| Noninterest income to average assets | 0.5496% | 2,581 |
| Noninterest expense to average assets | 2.1439% | 4,503 |
| Loan and lease loss provision to assets | 0.0494% | 2,927 |
| Net operating income to assets | 1.2628% | 1,928 |
| Return on assets (ROA) | 1.2628% | 1,930 |
| Pretax return on assets | 1.6462% | 1,352 |
| Return on Equity (ROE) | 13.7058% | 1,154 |
| Retained earnings to average equity (ytd only) | 8.6163% | 1,353 |
| Net charge-offs to loans | 0.1379% | 1,087 |
| Credit loss provision to net charge-offs | 50.8475% | 2,488 |
| Earnings coverage of net charge-offs (x) | 17.4661% | 1,951 |
| Efficiency ratio | 55.8389% | 4,497 |
| Assets per employee ($millions) | 5.6743% | 1,737 |
| Cash dividends to net income (ytd only)* | 37.1336% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,060 |
| Loan loss allowance to noncurrent loans | 61.0592% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 1,065 |
| Noncurrent loans to loans | 1.8610% | 829 |
| Net loans and leases to total assets | 68.3016% | 2,827 |
| Net loans and leases to deposits | 76.1653% | 3,308 |
| Net loans and leases to core deposits | 83.1544% | 3,152 |
| Total domestic deposits to total assets | 89.6755% | 677 |
| Equity capital to assets | 9.0608% | 4,514 |
| Core capital (leverage) ratio | 9.5826% | 4,017 |
| Tier 1 risk-based capital ratio | 11.6886% | 4,696 |
| Total risk-based capital ratio | 12.6693% | 4,731 |
| Memoranda: | ||
| Average total assets | $243,106,000 | 2,545 |
| Average earning assets | $231,515,670 | 2,499 |
| Average equity | $22,399,330 | 2,892 |
| Average total loans | $171,158,330 | 2,449 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 2,496 |
| Cost of funding earning assets | 0.8237% | 851 |
| Net interest margin | 3.4806% | 3,604 |
| Noninterest income to average assets | 0.5404% | 2,571 |
| Noninterest expense to average assets | 2.1032% | 4,654 |
| Loan and lease loss provision to assets | 0.0500% | 2,775 |
| Net operating income to assets | 1.3043% | 1,630 |
| Return on assets (ROA) | 1.3043% | 1,635 |
| Pretax return on assets | 1.6996% | 1,117 |
| Return on Equity (ROE) | 14.0345% | 1,007 |
| Retained earnings to average equity (ytd only) | 8.9196% | 1,481 |
| Net charge-offs to loans | 0.0399% | 1,736 |
| Credit loss provision to net charge-offs | 176.4706% | 1,127 |
| Earnings coverage of net charge-offs (x) | 61.7059% | 830 |
| Efficiency ratio | 54.5887% | 4,730 |
| Assets per employee ($millions) | 5.6905% | 1,769 |
| Cash dividends to net income (ytd only)* | 36.4450% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,949 |
| Loan loss allowance to noncurrent loans | 274.4595% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 3,340 |
| Noncurrent loans to loans | 0.4293% | 3,251 |
| Net loans and leases to total assets | 71.2653% | 2,286 |
| Net loans and leases to deposits | 79.8758% | 2,821 |
| Net loans and leases to core deposits | 88.0259% | 2,631 |
| Total domestic deposits to total assets | 89.2201% | 1,001 |
| Equity capital to assets | 9.2967% | 4,269 |
| Core capital (leverage) ratio | 9.5744% | 3,990 |
| Tier 1 risk-based capital ratio | 11.7726% | 4,699 |
| Total risk-based capital ratio | 12.8184% | 4,719 |
| Memoranda: | ||
| Average total assets | $239,824,500 | 2,586 |
| Average earning assets | $228,234,500 | 2,545 |
| Average equity | $22,288,000 | 2,933 |
| Average total loans | $170,493,500 | 2,469 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 2,901 |
| Cost of funding earning assets | 0.7126% | 962 |
| Net interest margin | 3.4321% | 3,744 |
| Noninterest income to average assets | 0.5299% | 2,822 |
| Noninterest expense to average assets | 2.1105% | 4,737 |
| Loan and lease loss provision to assets | 0.0382% | 3,501 |
| Net operating income to assets | 1.0245% | 2,138 |
| Return on assets (ROA) | 1.0245% | 2,172 |
| Pretax return on assets | 1.6571% | 1,131 |
| Return on Equity (ROE) | 11.0234% | 1,474 |
| Retained earnings to average equity (ytd only) | 5.8155% | 1,648 |
| Net charge-offs to loans | 0.0486% | 2,813 |
| Credit loss provision to net charge-offs | 112.5000% | 2,313 |
| Earnings coverage of net charge-offs (x) | 49.9125% | 1,086 |
| Efficiency ratio | 55.4552% | 4,818 |
| Assets per employee ($millions) | 5.8695% | 1,607 |
| Cash dividends to net income (ytd only)* | 47.2441% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,807 |
| Loan loss allowance to noncurrent loans | 262.7604% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 3,434 |
| Noncurrent loans to loans | 0.4554% | 3,145 |
| Net loans and leases to total assets | 69.2353% | 2,641 |
| Net loans and leases to deposits | 78.7926% | 3,032 |
| Net loans and leases to core deposits | 86.9108% | 2,833 |
| Total domestic deposits to total assets | 87.8703% | 1,567 |
| Equity capital to assets | 9.2903% | 4,439 |
| Core capital (leverage) ratio | 9.2983% | 4,293 |
| Tier 1 risk-based capital ratio | 11.6236% | 4,773 |
| Total risk-based capital ratio | 12.6723% | 4,781 |
| Memoranda: | ||
| Average total assets | $235,534,200 | 2,601 |
| Average earning assets | $224,820,400 | 2,548 |
| Average equity | $21,889,800 | 2,965 |
| Average total loans | $164,528,000 | 2,490 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0987% | 2,984 |
| Cost of funding earning assets | 0.6877% | 1,021 |
| Net interest margin | 3.4110% | 3,808 |
| Noninterest income to average assets | 0.4707% | 3,206 |
| Noninterest expense to average assets | 2.0217% | 4,907 |
| Loan and lease loss provision to assets | 0.0512% | 3,074 |
| Net operating income to assets | 1.1298% | 1,955 |
| Return on assets (ROA) | 1.1298% | 2,020 |
| Pretax return on assets | 1.6585% | 1,219 |
| Return on Equity (ROE) | 12.1554% | 1,293 |
| Retained earnings to average equity (ytd only) | 6.9197% | 1,733 |
| Net charge-offs to loans | -0.0090% | 4,604 |
| Credit loss provision to net charge-offs | -818.1818% | 4,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1794% | 4,926 |
| Assets per employee ($millions) | 6.0099% | 1,487 |
| Cash dividends to net income (ytd only)* | 43.0730% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,611 |
| Loan loss allowance to noncurrent loans | 228.9902% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 3,202 |
| Noncurrent loans to loans | 0.5483% | 3,055 |
| Net loans and leases to total assets | 68.9923% | 2,695 |
| Net loans and leases to deposits | 77.6695% | 3,198 |
| Net loans and leases to core deposits | 85.8618% | 2,984 |
| Total domestic deposits to total assets | 88.8280% | 961 |
| Equity capital to assets | 9.3767% | 4,569 |
| Core capital (leverage) ratio | 9.3965% | 4,296 |
| Tier 1 risk-based capital ratio | 11.5320% | 4,946 |
| Total risk-based capital ratio | 12.6264% | 4,920 |
| Memoranda: | ||
| Average total assets | $234,255,500 | 2,634 |
| Average earning assets | $223,935,500 | 2,574 |
| Average equity | $21,773,000 | 3,003 |
| Average total loans | $163,502,000 | 2,506 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 2,982 |
| Cost of funding earning assets | 0.6673% | 1,055 |
| Net interest margin | 3.3906% | 3,805 |
| Noninterest income to average assets | 0.4668% | 3,240 |
| Noninterest expense to average assets | 2.0292% | 4,911 |
| Loan and lease loss provision to assets | 0.0517% | 2,952 |
| Net operating income to assets | 1.1119% | 1,919 |
| Return on assets (ROA) | 1.1119% | 1,968 |
| Pretax return on assets | 1.6287% | 1,254 |
| Return on Equity (ROE) | 11.9998% | 1,300 |
| Retained earnings to average equity (ytd only) | 6.7017% | 1,740 |
| Net charge-offs to loans | -0.0136% | 4,638 |
| Credit loss provision to net charge-offs | -545.4545% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7016% | 4,950 |
| Assets per employee ($millions) | 6.2693% | 1,274 |
| Cash dividends to net income (ytd only)* | 44.1518% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,503 |
| Loan loss allowance to noncurrent loans | 196.1321% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 3,023 |
| Noncurrent loans to loans | 0.6535% | 2,786 |
| Net loans and leases to total assets | 67.2154% | 2,917 |
| Net loans and leases to deposits | 75.6068% | 3,386 |
| Net loans and leases to core deposits | 83.9925% | 3,070 |
| Total domestic deposits to total assets | 88.9012% | 1,009 |
| Equity capital to assets | 9.3051% | 4,617 |
| Core capital (leverage) ratio | 9.5095% | 4,124 |
| Tier 1 risk-based capital ratio | 11.7299% | 4,817 |
| Total risk-based capital ratio | 12.8478% | 4,780 |
| Memoranda: | ||
| Average total assets | $232,209,000 | 2,661 |
| Average earning assets | $222,083,330 | 2,598 |
| Average equity | $21,517,000 | 3,027 |
| Average total loans | $162,015,000 | 2,530 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 2,874 |
| Cost of funding earning assets | 0.6600% | 1,028 |
| Net interest margin | 3.3861% | 3,691 |
| Noninterest income to average assets | 0.4398% | 3,378 |
| Noninterest expense to average assets | 2.0786% | 4,892 |
| Loan and lease loss provision to assets | 0.0524% | 2,765 |
| Net operating income to assets | 1.0594% | 2,034 |
| Return on assets (ROA) | 1.0594% | 2,076 |
| Pretax return on assets | 1.5410% | 1,410 |
| Return on Equity (ROE) | 11.4574% | 1,416 |
| Retained earnings to average equity (ytd only) | 6.0779% | 2,293 |
| Net charge-offs to loans | -0.0074% | 4,303 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6065% | 4,874 |
| Assets per employee ($millions) | 5.8443% | 1,614 |
| Cash dividends to net income (ytd only)* | 46.9522% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 2,763 |
| Loan loss allowance to noncurrent loans | 199.9021% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 3,265 |
| Noncurrent loans to loans | 0.6297% | 2,939 |
| Net loans and leases to total assets | 70.2425% | 2,333 |
| Net loans and leases to deposits | 79.3219% | 2,828 |
| Net loans and leases to core deposits | 88.0319% | 2,542 |
| Total domestic deposits to total assets | 88.5537% | 1,395 |
| Equity capital to assets | 9.3816% | 4,413 |
| Core capital (leverage) ratio | 9.3720% | 4,257 |
| Tier 1 risk-based capital ratio | 11.5044% | 5,027 |
| Total risk-based capital ratio | 12.6023% | 5,019 |
| Memoranda: | ||
| Average total assets | $229,196,500 | 2,711 |
| Average earning assets | $218,779,500 | 2,651 |
| Average equity | $21,191,500 | 3,067 |
| Average total loans | $161,918,000 | 2,553 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 2,870 |
| Cost of funding earning assets | 0.6827% | 893 |
| Net interest margin | 3.4120% | 3,779 |
| Noninterest income to average assets | 0.5147% | 3,132 |
| Noninterest expense to average assets | 2.1514% | 4,890 |
| Loan and lease loss provision to assets | 0.0406% | 3,569 |
| Net operating income to assets | 1.0932% | 1,925 |
| Return on assets (ROA) | 1.0786% | 2,093 |
| Pretax return on assets | 1.5704% | 1,370 |
| Return on Equity (ROE) | 11.3889% | 1,436 |
| Retained earnings to average equity (ytd only) | 5.9634% | 1,721 |
| Net charge-offs to loans | 0.4145% | 634 |
| Credit loss provision to net charge-offs | 13.9752% | 3,717 |
| Earnings coverage of net charge-offs (x) | 5.6227% | 3,312 |
| Efficiency ratio | 56.8620% | 4,969 |
| Assets per employee ($millions) | 5.9094% | 1,540 |
| Cash dividends to net income (ytd only)* | 47.6389% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,864 |
| Loan loss allowance to noncurrent loans | 193.2628% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 3,282 |
| Noncurrent loans to loans | 0.6426% | 2,926 |
| Net loans and leases to total assets | 69.2880% | 2,584 |
| Net loans and leases to deposits | 78.0712% | 3,093 |
| Net loans and leases to core deposits | 85.9331% | 2,856 |
| Total domestic deposits to total assets | 88.7498% | 1,236 |
| Equity capital to assets | 9.1119% | 4,693 |
| Core capital (leverage) ratio | 9.1380% | 4,568 |
| Tier 1 risk-based capital ratio | 11.3510% | 5,139 |
| Total risk-based capital ratio | 12.4331% | 5,127 |
| Memoranda: | ||
| Average total assets | $221,857,000 | 2,742 |
| Average earning assets | $212,541,200 | 2,677 |
| Average equity | $21,011,600 | 3,064 |
| Average total loans | $155,359,400 | 2,575 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 2,888 |
| Cost of funding earning assets | 0.6796% | 908 |
| Net interest margin | 3.4181% | 3,782 |
| Noninterest income to average assets | 0.5086% | 3,190 |
| Noninterest expense to average assets | 2.1082% | 4,996 |
| Loan and lease loss provision to assets | 0.0364% | 3,519 |
| Net operating income to assets | 1.1241% | 1,897 |
| Return on assets (ROA) | 1.1439% | 1,937 |
| Pretax return on assets | 1.6743% | 1,186 |
| Return on Equity (ROE) | 11.9597% | 1,340 |
| Retained earnings to average equity (ytd only) | 6.5350% | 1,890 |
| Net charge-offs to loans | 0.0919% | 2,035 |
| Credit loss provision to net charge-offs | 56.6038% | 2,951 |
| Earnings coverage of net charge-offs (x) | 26.1414% | 1,608 |
| Efficiency ratio | 55.6285% | 5,098 |
| Assets per employee ($millions) | 6.4630% | 1,132 |
| Cash dividends to net income (ytd only)* | 45.3580% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,647 |
| Loan loss allowance to noncurrent loans | 157.8419% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 2,674 |
| Noncurrent loans to loans | 0.9720% | 2,297 |
| Net loans and leases to total assets | 71.3882% | 2,281 |
| Net loans and leases to deposits | 81.1053% | 2,840 |
| Net loans and leases to core deposits | 88.8925% | 2,673 |
| Total domestic deposits to total assets | 88.0192% | 1,398 |
| Equity capital to assets | 9.5524% | 4,607 |
| Core capital (leverage) ratio | 9.5010% | 4,181 |
| Tier 1 risk-based capital ratio | 11.2386% | 5,235 |
| Total risk-based capital ratio | 12.4896% | 5,136 |
| Memoranda: | ||
| Average total assets | $219,704,500 | 2,771 |
| Average earning assets | $210,909,250 | 2,696 |
| Average equity | $21,014,500 | 3,094 |
| Average total loans | $153,775,750 | 2,592 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1065% | 2,830 |
| Cost of funding earning assets | 0.6753% | 920 |
| Net interest margin | 3.4312% | 3,757 |
| Noninterest income to average assets | 0.5011% | 3,182 |
| Noninterest expense to average assets | 2.0989% | 5,062 |
| Loan and lease loss provision to assets | 0.0276% | 3,574 |
| Net operating income to assets | 1.1405% | 1,808 |
| Return on assets (ROA) | 1.1649% | 1,824 |
| Pretax return on assets | 1.7082% | 1,068 |
| Return on Equity (ROE) | 12.1729% | 1,251 |
| Retained earnings to average equity (ytd only) | 6.6966% | 1,763 |
| Net charge-offs to loans | 0.0452% | 2,567 |
| Credit loss provision to net charge-offs | 88.2353% | 2,266 |
| Earnings coverage of net charge-offs (x) | 54.3824% | 936 |
| Efficiency ratio | 55.2517% | 5,220 |
| Assets per employee ($millions) | 5.4887% | 1,805 |
| Cash dividends to net income (ytd only)* | 44.9882% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,367 |
| Loan loss allowance to noncurrent loans | 180.5222% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 2,739 |
| Noncurrent loans to loans | 0.9199% | 2,436 |
| Net loans and leases to total assets | 69.0001% | 2,631 |
| Net loans and leases to deposits | 79.1894% | 3,035 |
| Net loans and leases to core deposits | 86.8280% | 2,833 |
| Total domestic deposits to total assets | 87.1330% | 1,847 |
| Equity capital to assets | 9.7109% | 4,548 |
| Core capital (leverage) ratio | 9.4927% | 4,218 |
| Tier 1 risk-based capital ratio | 11.6608% | 5,054 |
| Total risk-based capital ratio | 12.9134% | 4,954 |
| Memoranda: | ||
| Average total assets | $217,538,000 | 2,795 |
| Average earning assets | $209,082,330 | 2,716 |
| Average equity | $20,816,670 | 3,116 |
| Average total loans | $150,368,000 | 2,641 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 2,875 |
| Cost of funding earning assets | 0.6788% | 897 |
| Net interest margin | 3.4131% | 3,826 |
| Noninterest income to average assets | 0.4784% | 3,273 |
| Noninterest expense to average assets | 2.0745% | 5,165 |
| Loan and lease loss provision to assets | 0.0277% | 3,298 |
| Net operating income to assets | 1.1363% | 1,765 |
| Return on assets (ROA) | 1.1564% | 1,804 |
| Pretax return on assets | 1.6940% | 1,081 |
| Return on Equity (ROE) | 12.1760% | 1,265 |
| Retained earnings to average equity (ytd only) | 6.6326% | 2,066 |
| Net charge-offs to loans | -0.0027% | 4,161 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0760% | 5,278 |
| Assets per employee ($millions) | 5.4296% | 1,893 |
| Cash dividends to net income (ytd only)* | 45.5272% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 1,359 |
| Loan loss allowance to noncurrent loans | 194.4193% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 2,964 |
| Noncurrent loans to loans | 0.8767% | 2,657 |
| Net loans and leases to total assets | 68.4562% | 2,590 |
| Net loans and leases to deposits | 79.6545% | 2,842 |
| Net loans and leases to core deposits | 86.7168% | 2,685 |
| Total domestic deposits to total assets | 85.9414% | 2,692 |
| Equity capital to assets | 9.5679% | 4,602 |
| Core capital (leverage) ratio | 9.3954% | 4,352 |
| Tier 1 risk-based capital ratio | 11.8469% | 5,015 |
| Total risk-based capital ratio | 13.1001% | 4,918 |
| Memoranda: | ||
| Average total assets | $216,534,000 | 2,815 |
| Average earning assets | $208,610,500 | 2,736 |
| Average equity | $20,565,000 | 3,143 |
| Average total loans | $148,529,500 | 2,675 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 2,638 |
| Cost of funding earning assets | 0.7393% | 672 |
| Net interest margin | 3.4371% | 3,765 |
| Noninterest income to average assets | 0.4859% | 3,429 |
| Noninterest expense to average assets | 2.1989% | 5,046 |
| Loan and lease loss provision to assets | 0.0518% | 3,281 |
| Net operating income to assets | 1.0559% | 2,103 |
| Return on assets (ROA) | 1.0764% | 2,092 |
| Pretax return on assets | 1.5646% | 1,363 |
| Return on Equity (ROE) | 11.0332% | 1,602 |
| Retained earnings to average equity (ytd only) | -1.6617% | 5,729 |
| Net charge-offs to loans | 0.3501% | 848 |
| Credit loss provision to net charge-offs | 21.0325% | 3,738 |
| Earnings coverage of net charge-offs (x) | 6.4379% | 3,229 |
| Efficiency ratio | 58.0854% | 5,133 |
| Assets per employee ($millions) | 5.2655% | 2,046 |
| Cash dividends to net income (ytd only)* | 115.0613% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 1,223 |
| Loan loss allowance to noncurrent loans | 195.3506% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 2,955 |
| Noncurrent loans to loans | 0.8998% | 2,537 |
| Net loans and leases to total assets | 66.3514% | 2,935 |
| Net loans and leases to deposits | 75.4485% | 3,324 |
| Net loans and leases to core deposits | 81.5515% | 3,196 |
| Total domestic deposits to total assets | 87.9426% | 1,658 |
| Equity capital to assets | 9.4264% | 4,643 |
| Core capital (leverage) ratio | 9.1526% | 4,682 |
| Tier 1 risk-based capital ratio | 11.8532% | 5,042 |
| Total risk-based capital ratio | 13.1065% | 4,955 |
| Memoranda: | ||
| Average total assets | $212,196,400 | 2,822 |
| Average earning assets | $203,716,800 | 2,742 |
| Average equity | $20,701,200 | 3,106 |
| Average total loans | $149,375,400 | 2,604 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 2,582 |
| Cost of funding earning assets | 0.7455% | 664 |
| Net interest margin | 3.4514% | 3,745 |
| Noninterest income to average assets | 0.4468% | 3,737 |
| Noninterest expense to average assets | 2.1482% | 5,175 |
| Loan and lease loss provision to assets | 0.0600% | 2,983 |
| Net operating income to assets | 1.0633% | 2,157 |
| Return on assets (ROA) | 1.0911% | 2,131 |
| Pretax return on assets | 1.5922% | 1,405 |
| Return on Equity (ROE) | 11.0889% | 1,675 |
| Retained earnings to average equity (ytd only) | -3.9571% | 5,986 |
| Net charge-offs to loans | 0.2688% | 990 |
| Credit loss provision to net charge-offs | 31.3531% | 3,262 |
| Earnings coverage of net charge-offs (x) | 8.4290% | 2,820 |
| Efficiency ratio | 57.1333% | 5,212 |
| Assets per employee ($millions) | 5.0772% | 2,205 |
| Cash dividends to net income (ytd only)* | 135.6850% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 1,085 |
| Loan loss allowance to noncurrent loans | 145.9631% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 2,489 |
| Noncurrent loans to loans | 1.2972% | 1,969 |
| Net loans and leases to total assets | 67.2080% | 2,819 |
| Net loans and leases to deposits | 76.1018% | 3,291 |
| Net loans and leases to core deposits | 82.5314% | 3,194 |
| Total domestic deposits to total assets | 88.3132% | 1,393 |
| Equity capital to assets | 9.3945% | 4,884 |
| Core capital (leverage) ratio | 9.2145% | 4,710 |
| Tier 1 risk-based capital ratio | 11.9259% | 5,125 |
| Total risk-based capital ratio | 13.1813% | 5,041 |
| Memoranda: | ||
| Average total assets | $211,274,500 | 2,850 |
| Average earning assets | $202,811,250 | 2,772 |
| Average equity | $20,789,000 | 3,122 |
| Average total loans | $150,268,000 | 2,604 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,516 |
| Cost of funding earning assets | 0.7414% | 682 |
| Net interest margin | 3.4674% | 3,630 |
| Noninterest income to average assets | 0.4302% | 3,854 |
| Noninterest expense to average assets | 2.1394% | 5,251 |
| Loan and lease loss provision to assets | 0.0760% | 2,599 |
| Net operating income to assets | 1.0581% | 2,107 |
| Return on assets (ROA) | 1.0588% | 2,213 |
| Pretax return on assets | 1.5421% | 1,518 |
| Return on Equity (ROE) | 10.5984% | 1,812 |
| Retained earnings to average equity (ytd only) | 5.2374% | 2,711 |
| Net charge-offs to loans | 0.2862% | 918 |
| Credit loss provision to net charge-offs | 36.8664% | 2,857 |
| Earnings coverage of net charge-offs (x) | 7.8479% | 2,621 |
| Efficiency ratio | 56.9515% | 5,343 |
| Assets per employee ($millions) | 5.0585% | 2,198 |
| Cash dividends to net income (ytd only)* | 50.5830% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 1,118 |
| Loan loss allowance to noncurrent loans | 135.2072% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 2,412 |
| Noncurrent loans to loans | 1.4227% | 1,885 |
| Net loans and leases to total assets | 68.1085% | 2,625 |
| Net loans and leases to deposits | 77.5934% | 3,082 |
| Net loans and leases to core deposits | 84.2131% | 2,965 |
| Total domestic deposits to total assets | 87.7762% | 1,762 |
| Equity capital to assets | 9.9696% | 4,074 |
| Core capital (leverage) ratio | 9.9435% | 3,691 |
| Tier 1 risk-based capital ratio | 12.5048% | 4,800 |
| Total risk-based capital ratio | 13.7606% | 4,714 |
| Memoranda: | ||
| Average total assets | $210,619,000 | 2,881 |
| Average earning assets | $202,050,670 | 2,799 |
| Average equity | $21,041,000 | 3,107 |
| Average total loans | $151,663,670 | 2,595 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 2,223 |
| Cost of funding earning assets | 0.7482% | 664 |
| Net interest margin | 3.5142% | 3,376 |
| Noninterest income to average assets | 0.4196% | 3,849 |
| Noninterest expense to average assets | 2.0563% | 5,477 |
| Loan and lease loss provision to assets | 0.0858% | 2,257 |
| Net operating income to assets | 1.1222% | 1,788 |
| Return on assets (ROA) | 1.1235% | 1,889 |
| Pretax return on assets | 1.6481% | 1,160 |
| Return on Equity (ROE) | 11.2346% | 1,572 |
| Retained earnings to average equity (ytd only) | 5.8557% | 2,575 |
| Net charge-offs to loans | 0.2290% | 1,031 |
| Credit loss provision to net charge-offs | 51.1364% | 2,089 |
| Earnings coverage of net charge-offs (x) | 10.3182% | 1,944 |
| Efficiency ratio | 54.2800% | 5,654 |
| Assets per employee ($millions) | 4.9510% | 2,418 |
| Cash dividends to net income (ytd only)* | 47.8778% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9667% | 1,146 |
| Loan loss allowance to noncurrent loans | 127.7003% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 2,406 |
| Noncurrent loans to loans | 1.5401% | 1,824 |
| Net loans and leases to total assets | 70.2848% | 2,101 |
| Net loans and leases to deposits | 80.5719% | 2,492 |
| Net loans and leases to core deposits | 88.1788% | 2,309 |
| Total domestic deposits to total assets | 87.2324% | 2,249 |
| Equity capital to assets | 10.1846% | 3,899 |
| Core capital (leverage) ratio | 9.8392% | 3,837 |
| Tier 1 risk-based capital ratio | 12.3569% | 5,007 |
| Total risk-based capital ratio | 13.6132% | 4,914 |
| Memoranda: | ||
| Average total assets | $209,701,000 | 2,914 |
| Average earning assets | $201,011,000 | 2,821 |
| Average equity | $20,971,000 | 3,139 |
| Average total loans | $153,726,500 | 2,567 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 2,207 |
| Cost of funding earning assets | 0.7667% | 774 |
| Net interest margin | 3.6373% | 3,266 |
| Noninterest income to average assets | 0.5624% | 3,109 |
| Noninterest expense to average assets | 2.2202% | 5,297 |
| Loan and lease loss provision to assets | 0.1884% | 1,359 |
| Net operating income to assets | 1.0922% | 2,002 |
| Return on assets (ROA) | 1.1145% | 1,972 |
| Pretax return on assets | 1.6700% | 1,050 |
| Return on Equity (ROE) | 11.4068% | 1,592 |
| Retained earnings to average equity (ytd only) | 5.9363% | 1,966 |
| Net charge-offs to loans | 0.1666% | 2,365 |
| Credit loss provision to net charge-offs | 151.5748% | 1,597 |
| Earnings coverage of net charge-offs (x) | 14.6811% | 2,138 |
| Efficiency ratio | 54.8820% | 5,770 |
| Assets per employee ($millions) | 5.0348% | 2,274 |
| Cash dividends to net income (ytd only)* | 47.9578% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8785% | 1,366 |
| Loan loss allowance to noncurrent loans | 112.3489% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2617% | 2,232 |
| Noncurrent loans to loans | 1.6720% | 1,749 |
| Net loans and leases to total assets | 73.4864% | 1,670 |
| Net loans and leases to deposits | 84.9887% | 2,100 |
| Net loans and leases to core deposits | 92.9340% | 1,999 |
| Total domestic deposits to total assets | 86.4661% | 2,589 |
| Equity capital to assets | 9.8193% | 4,324 |
| Core capital (leverage) ratio | 9.7516% | 3,903 |
| Tier 1 risk-based capital ratio | 12.1943% | 5,230 |
| Total risk-based capital ratio | 13.4512% | 5,140 |
| Memoranda: | ||
| Average total assets | $204,305,600 | 2,944 |
| Average earning assets | $195,638,800 | 2,848 |
| Average equity | $19,961,800 | 3,164 |
| Average total loans | $152,436,800 | 2,544 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,101 |
| Cost of funding earning assets | 0.7640% | 828 |
| Net interest margin | 3.6696% | 3,155 |
| Noninterest income to average assets | 0.5227% | 3,384 |
| Noninterest expense to average assets | 2.1542% | 5,452 |
| Loan and lease loss provision to assets | 0.1580% | 1,577 |
| Net operating income to assets | 1.1470% | 1,879 |
| Return on assets (ROA) | 1.1765% | 1,841 |
| Pretax return on assets | 1.7717% | 937 |
| Return on Equity (ROE) | 12.0570% | 1,461 |
| Retained earnings to average equity (ytd only) | 6.5311% | 2,081 |
| Net charge-offs to loans | 0.2031% | 1,849 |
| Credit loss provision to net charge-offs | 104.3478% | 2,121 |
| Earnings coverage of net charge-offs (x) | 12.4478% | 2,318 |
| Efficiency ratio | 53.3333% | 5,890 |
| Assets per employee ($millions) | 4.8444% | 2,452 |
| Cash dividends to net income (ytd only)* | 45.8308% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 1,442 |
| Loan loss allowance to noncurrent loans | 118.0314% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.2710% | 2,419 |
| Noncurrent loans to loans | 1.6141% | 2,022 |
| Net loans and leases to total assets | 72.2239% | 1,807 |
| Net loans and leases to deposits | 82.7411% | 2,330 |
| Net loans and leases to core deposits | 90.8304% | 2,136 |
| Total domestic deposits to total assets | 87.2891% | 2,163 |
| Equity capital to assets | 10.0215% | 4,141 |
| Core capital (leverage) ratio | 9.6958% | 4,080 |
| Tier 1 risk-based capital ratio | 12.7156% | 5,032 |
| Total risk-based capital ratio | 13.9727% | 4,933 |
| Memoranda: | ||
| Average total assets | $202,516,750 | 2,985 |
| Average earning assets | $194,056,500 | 2,890 |
| Average equity | $19,761,250 | 3,192 |
| Average total loans | $150,953,500 | 2,564 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 2,131 |
| Cost of funding earning assets | 0.7479% | 932 |
| Net interest margin | 3.6649% | 3,092 |
| Noninterest income to average assets | 0.5450% | 3,168 |
| Noninterest expense to average assets | 2.0851% | 5,656 |
| Loan and lease loss provision to assets | 0.1929% | 1,266 |
| Net operating income to assets | 1.1752% | 1,671 |
| Return on assets (ROA) | 1.2196% | 1,589 |
| Pretax return on assets | 1.8437% | 768 |
| Return on Equity (ROE) | 12.6127% | 1,279 |
| Retained earnings to average equity (ytd only) | 7.0275% | 1,759 |
| Net charge-offs to loans | 0.2762% | 1,434 |
| Credit loss provision to net charge-offs | 93.3014% | 2,126 |
| Earnings coverage of net charge-offs (x) | 9.5263% | 2,348 |
| Efficiency ratio | 51.4272% | 6,102 |
| Assets per employee ($millions) | 5.0826% | 2,113 |
| Cash dividends to net income (ytd only)* | 44.2822% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 1,676 |
| Loan loss allowance to noncurrent loans | 123.4191% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1853% | 2,710 |
| Noncurrent loans to loans | 1.5078% | 2,312 |
| Net loans and leases to total assets | 71.6183% | 1,809 |
| Net loans and leases to deposits | 82.9530% | 2,142 |
| Net loans and leases to core deposits | 89.7120% | 2,153 |
| Total domestic deposits to total assets | 86.3361% | 2,851 |
| Equity capital to assets | 9.6503% | 4,560 |
| Core capital (leverage) ratio | 9.7454% | 3,974 |
| Tier 1 risk-based capital ratio | 12.5102% | 5,223 |
| Total risk-based capital ratio | 13.7673% | 5,139 |
| Memoranda: | ||
| Average total assets | $202,201,330 | 3,007 |
| Average earning assets | $193,618,330 | 2,910 |
| Average equity | $19,551,670 | 3,220 |
| Average total loans | $151,337,000 | 2,559 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 2,033 |
| Cost of funding earning assets | 0.7522% | 962 |
| Net interest margin | 3.6750% | 2,969 |
| Noninterest income to average assets | 0.5545% | 3,019 |
| Noninterest expense to average assets | 2.1195% | 5,643 |
| Loan and lease loss provision to assets | 0.0904% | 2,409 |
| Net operating income to assets | 1.2295% | 1,400 |
| Return on assets (ROA) | 1.2295% | 1,454 |
| Pretax return on assets | 1.8583% | 716 |
| Return on Equity (ROE) | 12.7020% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.0359% | 2,032 |
| Net charge-offs to loans | 0.2570% | 1,302 |
| Credit loss provision to net charge-offs | 46.3918% | 2,239 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,895 |
| Efficiency ratio | 52.0988% | 6,132 |
| Assets per employee ($millions) | 4.9979% | 2,251 |
| Cash dividends to net income (ytd only)* | 44.6078% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 1,914 |
| Loan loss allowance to noncurrent loans | 103.8304% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 2,502 |
| Noncurrent loans to loans | 1.7763% | 2,170 |
| Net loans and leases to total assets | 74.3277% | 1,223 |
| Net loans and leases to deposits | 86.8787% | 1,483 |
| Net loans and leases to core deposits | 92.9671% | 1,643 |
| Total domestic deposits to total assets | 85.5534% | 3,586 |
| Equity capital to assets | 9.7706% | 4,140 |
| Core capital (leverage) ratio | 9.8350% | 3,813 |
| Tier 1 risk-based capital ratio | 12.3041% | 5,437 |
| Total risk-based capital ratio | 13.5609% | 5,365 |
| Memoranda: | ||
| Average total assets | $199,108,000 | 3,063 |
| Average earning assets | $190,367,000 | 2,965 |
| Average equity | $19,272,500 | 3,251 |
| Average total loans | $150,968,500 | 2,565 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 2,051 |
| Cost of funding earning assets | 0.8279% | 1,049 |
| Net interest margin | 3.7155% | 2,994 |
| Noninterest income to average assets | 0.5519% | 3,392 |
| Noninterest expense to average assets | 2.1869% | 5,663 |
| Loan and lease loss provision to assets | 0.2604% | 1,368 |
| Net operating income to assets | 1.1115% | 1,893 |
| Return on assets (ROA) | 1.1177% | 1,942 |
| Pretax return on assets | 1.6701% | 1,019 |
| Return on Equity (ROE) | 11.7180% | 1,513 |
| Retained earnings to average equity (ytd only) | 7.6282% | 1,181 |
| Net charge-offs to loans | 0.4384% | 1,518 |
| Credit loss provision to net charge-offs | 78.8253% | 3,075 |
| Earnings coverage of net charge-offs (x) | 5.8161% | 3,209 |
| Efficiency ratio | 53.2314% | 6,199 |
| Assets per employee ($millions) | 4.9575% | 2,233 |
| Cash dividends to net income (ytd only)* | 34.9018% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8890% | 1,805 |
| Loan loss allowance to noncurrent loans | 100.2821% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.4730% | 2,526 |
| Noncurrent loans to loans | 1.8837% | 2,134 |
| Net loans and leases to total assets | 74.4871% | 1,283 |
| Net loans and leases to deposits | 85.6169% | 1,731 |
| Net loans and leases to core deposits | 92.6976% | 1,707 |
| Total domestic deposits to total assets | 87.0005% | 2,724 |
| Equity capital to assets | 9.5875% | 4,302 |
| Core capital (leverage) ratio | 9.7460% | 3,918 |
| Tier 1 risk-based capital ratio | 12.1530% | 5,525 |
| Total risk-based capital ratio | 13.4102% | 5,452 |
| Memoranda: | ||
| Average total assets | $195,851,600 | 3,071 |
| Average earning assets | $187,458,400 | 2,992 |
| Average equity | $18,680,600 | 3,317 |
| Average total loans | $147,584,200 | 2,591 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 2,043 |
| Cost of funding earning assets | 0.8347% | 1,126 |
| Net interest margin | 3.7138% | 2,978 |
| Noninterest income to average assets | 0.5347% | 3,560 |
| Noninterest expense to average assets | 2.1368% | 5,751 |
| Loan and lease loss provision to assets | 0.3483% | 923 |
| Net operating income to assets | 1.0796% | 2,086 |
| Return on assets (ROA) | 1.0879% | 2,131 |
| Pretax return on assets | 1.6199% | 1,295 |
| Return on Equity (ROE) | 11.4205% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.3126% | 1,729 |
| Net charge-offs to loans | 0.1253% | 3,278 |
| Credit loss provision to net charge-offs | 369.5652% | 712 |
| Earnings coverage of net charge-offs (x) | 20.7531% | 1,575 |
| Efficiency ratio | 52.2109% | 6,241 |
| Assets per employee ($millions) | 4.9293% | 2,262 |
| Cash dividends to net income (ytd only)* | 35.9698% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3200% | 1,154 |
| Loan loss allowance to noncurrent loans | 161.5125% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1121% | 3,431 |
| Noncurrent loans to loans | 1.4364% | 3,008 |
| Net loans and leases to total assets | 73.4327% | 1,379 |
| Net loans and leases to deposits | 84.2027% | 1,856 |
| Net loans and leases to core deposits | 91.5096% | 1,814 |
| Total domestic deposits to total assets | 87.2095% | 2,563 |
| Equity capital to assets | 9.6835% | 4,320 |
| Core capital (leverage) ratio | 9.6697% | 4,145 |
| Tier 1 risk-based capital ratio | 12.4488% | 5,482 |
| Total risk-based capital ratio | 13.7116% | 5,415 |
| Memoranda: | ||
| Average total assets | $195,239,500 | 3,109 |
| Average earning assets | $187,046,750 | 3,019 |
| Average equity | $18,597,750 | 3,362 |
| Average total loans | $146,842,250 | 2,620 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 2,071 |
| Cost of funding earning assets | 0.8404% | 1,198 |
| Net interest margin | 3.6941% | 2,978 |
| Noninterest income to average assets | 0.5371% | 3,595 |
| Noninterest expense to average assets | 2.1087% | 5,852 |
| Loan and lease loss provision to assets | 0.3669% | 898 |
| Net operating income to assets | 1.0762% | 2,009 |
| Return on assets (ROA) | 1.0762% | 2,120 |
| Pretax return on assets | 1.6052% | 1,363 |
| Return on Equity (ROE) | 11.3599% | 1,701 |
| Retained earnings to average equity (ytd only) | 7.2506% | 1,769 |
| Net charge-offs to loans | 0.1409% | 2,974 |
| Credit loss provision to net charge-offs | 346.1538% | 756 |
| Earnings coverage of net charge-offs (x) | 18.6058% | 1,548 |
| Efficiency ratio | 51.6733% | 6,300 |
| Assets per employee ($millions) | 5.1149% | 1,976 |
| Cash dividends to net income (ytd only)* | 36.1742% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,337 |
| Loan loss allowance to noncurrent loans | 175.3521% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 3,745 |
| Noncurrent loans to loans | 1.2823% | 3,410 |
| Net loans and leases to total assets | 72.3981% | 1,506 |
| Net loans and leases to deposits | 82.5175% | 1,990 |
| Net loans and leases to core deposits | 89.6990% | 1,935 |
| Total domestic deposits to total assets | 87.7366% | 2,423 |
| Equity capital to assets | 9.5150% | 4,560 |
| Core capital (leverage) ratio | 9.3539% | 4,464 |
| Tier 1 risk-based capital ratio | 12.0310% | 5,782 |
| Total risk-based capital ratio | 13.2920% | 5,721 |
| Memoranda: | ||
| Average total assets | $196,238,000 | 3,114 |
| Average earning assets | $188,243,670 | 3,014 |
| Average equity | $18,591,670 | 3,385 |
| Average total loans | $147,615,330 | 2,608 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 2,166 |
| Cost of funding earning assets | 0.8430% | 1,288 |
| Net interest margin | 3.6573% | 3,048 |
| Noninterest income to average assets | 0.5761% | 3,268 |
| Noninterest expense to average assets | 2.0733% | 5,967 |
| Loan and lease loss provision to assets | 0.3652% | 883 |
| Net operating income to assets | 1.1016% | 1,848 |
| Return on assets (ROA) | 1.1016% | 1,953 |
| Pretax return on assets | 1.6493% | 1,193 |
| Return on Equity (ROE) | 11.6520% | 1,518 |
| Retained earnings to average equity (ytd only) | 7.5534% | 1,918 |
| Net charge-offs to loans | 0.2329% | 2,045 |
| Credit loss provision to net charge-offs | 206.8966% | 1,058 |
| Earnings coverage of net charge-offs (x) | 11.4138% | 1,663 |
| Efficiency ratio | 50.7196% | 6,455 |
| Assets per employee ($millions) | 5.0959% | 2,103 |
| Cash dividends to net income (ytd only)* | 35.1750% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1440% | 1,702 |
| Loan loss allowance to noncurrent loans | 152.3290% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0943% | 3,745 |
| Noncurrent loans to loans | 1.4075% | 3,456 |
| Net loans and leases to total assets | 72.4523% | 1,289 |
| Net loans and leases to deposits | 82.3914% | 1,775 |
| Net loans and leases to core deposits | 89.5817% | 1,741 |
| Total domestic deposits to total assets | 87.9368% | 2,359 |
| Equity capital to assets | 9.6836% | 4,583 |
| Core capital (leverage) ratio | 9.1156% | 4,701 |
| Tier 1 risk-based capital ratio | 11.9497% | 5,945 |
| Total risk-based capital ratio | 13.2101% | 5,906 |
| Memoranda: | ||
| Average total assets | $197,173,500 | 3,129 |
| Average earning assets | $189,320,500 | 3,022 |
| Average equity | $18,640,500 | 3,432 |
| Average total loans | $149,445,500 | 2,588 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 2,077 |
| Cost of funding earning assets | 0.9990% | 1,368 |
| Net interest margin | 3.8362% | 3,081 |
| Noninterest income to average assets | 0.5305% | 3,706 |
| Noninterest expense to average assets | 2.1049% | 6,116 |
| Loan and lease loss provision to assets | 0.4740% | 1,303 |
| Net operating income to assets | 1.0948% | 1,953 |
| Return on assets (ROA) | 1.1009% | 2,119 |
| Pretax return on assets | 1.6400% | 1,281 |
| Return on Equity (ROE) | 11.7700% | 1,570 |
| Retained earnings to average equity (ytd only) | 2.0974% | 4,753 |
| Net charge-offs to loans | 0.5407% | 2,108 |
| Credit loss provision to net charge-offs | 117.3533% | 2,455 |
| Earnings coverage of net charge-offs (x) | 5.2110% | 3,107 |
| Efficiency ratio | 50.0000% | 6,588 |
| Assets per employee ($millions) | 5.2816% | 1,921 |
| Cash dividends to net income (ytd only)* | 82.1805% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 2,246 |
| Loan loss allowance to noncurrent loans | 129.5524% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 3,713 |
| Noncurrent loans to loans | 1.4796% | 3,378 |
| Net loans and leases to total assets | 76.0011% | 910 |
| Net loans and leases to deposits | 90.3863% | 1,044 |
| Net loans and leases to core deposits | 96.9430% | 1,230 |
| Total domestic deposits to total assets | 84.0848% | 4,277 |
| Equity capital to assets | 9.2321% | 5,232 |
| Core capital (leverage) ratio | 8.5722% | 5,505 |
| Tier 1 risk-based capital ratio | 10.8505% | 6,406 |
| Total risk-based capital ratio | 12.1082% | 6,373 |
| Memoranda: | ||
| Average total assets | $198,296,200 | 3,068 |
| Average earning assets | $190,187,000 | 2,954 |
| Average equity | $18,547,200 | 3,396 |
| Average total loans | $148,131,600 | 2,599 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 2,177 |
| Cost of funding earning assets | 1.0352% | 1,369 |
| Net interest margin | 3.8193% | 3,249 |
| Noninterest income to average assets | 0.5247% | 3,776 |
| Noninterest expense to average assets | 2.0732% | 6,217 |
| Loan and lease loss provision to assets | 0.5328% | 1,111 |
| Net operating income to assets | 1.0662% | 2,234 |
| Return on assets (ROA) | 1.0744% | 2,396 |
| Pretax return on assets | 1.5937% | 1,600 |
| Return on Equity (ROE) | 11.4488% | 1,802 |
| Retained earnings to average equity (ytd only) | 7.3307% | 1,930 |
| Net charge-offs to loans | 0.4840% | 2,164 |
| Credit loss provision to net charge-offs | 148.7759% | 1,904 |
| Earnings coverage of net charge-offs (x) | 5.9040% | 2,896 |
| Efficiency ratio | 49.5088% | 6,623 |
| Assets per employee ($millions) | 5.3514% | 1,779 |
| Cash dividends to net income (ytd only)* | 35.9698% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 2,026 |
| Loan loss allowance to noncurrent loans | 116.6228% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.3505% | 3,596 |
| Noncurrent loans to loans | 1.7606% | 3,139 |
| Net loans and leases to total assets | 74.7105% | 1,143 |
| Net loans and leases to deposits | 85.2003% | 1,701 |
| Net loans and leases to core deposits | 93.3436% | 1,644 |
| Total domestic deposits to total assets | 87.6881% | 2,233 |
| Equity capital to assets | 9.7251% | 4,889 |
| Core capital (leverage) ratio | 9.1334% | 4,862 |
| Tier 1 risk-based capital ratio | 11.4390% | 6,260 |
| Total risk-based capital ratio | 12.6978% | 6,227 |
| Memoranda: | ||
| Average total assets | $197,695,000 | 3,110 |
| Average earning assets | $189,594,750 | 2,996 |
| Average equity | $18,551,750 | 3,424 |
| Average total loans | $146,285,500 | 2,658 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 2,289 |
| Cost of funding earning assets | 1.0572% | 1,424 |
| Net interest margin | 3.7968% | 3,380 |
| Noninterest income to average assets | 0.5446% | 3,620 |
| Noninterest expense to average assets | 2.0760% | 6,271 |
| Loan and lease loss provision to assets | 0.6478% | 880 |
| Net operating income to assets | 0.9947% | 2,492 |
| Return on assets (ROA) | 1.0071% | 2,647 |
| Pretax return on assets | 1.4778% | 1,930 |
| Return on Equity (ROE) | 10.8642% | 2,039 |
| Retained earnings to average equity (ytd only) | 6.6932% | 2,276 |
| Net charge-offs to loans | 0.4685% | 2,190 |
| Credit loss provision to net charge-offs | 188.7906% | 1,500 |
| Earnings coverage of net charge-offs (x) | 6.1416% | 2,689 |
| Efficiency ratio | 49.6250% | 6,669 |
| Assets per employee ($millions) | 5.3949% | 1,713 |
| Cash dividends to net income (ytd only)* | 38.3920% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1147% | 1,966 |
| Loan loss allowance to noncurrent loans | 105.2579% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.5435% | 3,388 |
| Noncurrent loans to loans | 2.0091% | 2,939 |
| Net loans and leases to total assets | 72.8814% | 1,411 |
| Net loans and leases to deposits | 83.4136% | 1,929 |
| Net loans and leases to core deposits | 91.7664% | 1,802 |
| Total domestic deposits to total assets | 87.3735% | 2,551 |
| Equity capital to assets | 9.3617% | 5,244 |
| Core capital (leverage) ratio | 9.0643% | 4,814 |
| Tier 1 risk-based capital ratio | 11.2878% | 6,342 |
| Total risk-based capital ratio | 12.5471% | 6,316 |
| Memoranda: | ||
| Average total assets | $197,592,330 | 3,113 |
| Average earning assets | $189,370,330 | 3,004 |
| Average equity | $18,317,000 | 3,454 |
| Average total loans | $144,704,000 | 2,693 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 2,366 |
| Cost of funding earning assets | 1.0690% | 1,563 |
| Net interest margin | 3.7978% | 3,401 |
| Noninterest income to average assets | 0.4639% | 4,194 |
| Noninterest expense to average assets | 2.0633% | 6,355 |
| Loan and lease loss provision to assets | 0.6104% | 931 |
| Net operating income to assets | 0.9767% | 2,570 |
| Return on assets (ROA) | 0.9767% | 2,774 |
| Pretax return on assets | 1.4264% | 2,100 |
| Return on Equity (ROE) | 10.5890% | 2,195 |
| Retained earnings to average equity (ytd only) | 6.3755% | 2,755 |
| Net charge-offs to loans | 0.6781% | 1,457 |
| Credit loss provision to net charge-offs | 123.9669% | 1,926 |
| Earnings coverage of net charge-offs (x) | 4.1364% | 2,654 |
| Efficiency ratio | 50.3226% | 6,653 |
| Assets per employee ($millions) | 5.3308% | 1,850 |
| Cash dividends to net income (ytd only)* | 39.7917% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 2,200 |
| Loan loss allowance to noncurrent loans | 98.1055% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5950% | 3,458 |
| Noncurrent loans to loans | 2.0954% | 3,032 |
| Net loans and leases to total assets | 70.0521% | 1,744 |
| Net loans and leases to deposits | 79.2614% | 2,305 |
| Net loans and leases to core deposits | 86.2764% | 2,260 |
| Total domestic deposits to total assets | 88.3811% | 2,081 |
| Equity capital to assets | 9.2568% | 5,147 |
| Core capital (leverage) ratio | 8.8468% | 5,071 |
| Tier 1 risk-based capital ratio | 11.5054% | 6,280 |
| Total risk-based capital ratio | 12.7639% | 6,252 |
| Memoranda: | ||
| Average total assets | $196,582,500 | 3,151 |
| Average earning assets | $188,213,000 | 3,034 |
| Average equity | $18,132,000 | 3,478 |
| Average total loans | $142,744,500 | 2,744 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 2,079 |
| Cost of funding earning assets | 1.2922% | 1,520 |
| Net interest margin | 3.9025% | 3,327 |
| Noninterest income to average assets | 0.5364% | 3,611 |
| Noninterest expense to average assets | 2.1297% | 6,429 |
| Loan and lease loss provision to assets | 0.5813% | 1,780 |
| Net operating income to assets | 1.0578% | 1,973 |
| Return on assets (ROA) | 1.0585% | 2,110 |
| Pretax return on assets | 1.5642% | 1,295 |
| Return on Equity (ROE) | 11.7018% | 1,496 |
| Retained earnings to average equity (ytd only) | 7.2384% | 1,392 |
| Net charge-offs to loans | 0.2449% | 4,247 |
| Credit loss provision to net charge-offs | 321.6374% | 725 |
| Earnings coverage of net charge-offs (x) | 11.8655% | 1,674 |
| Efficiency ratio | 49.8269% | 6,845 |
| Assets per employee ($millions) | 5.2953% | 1,834 |
| Cash dividends to net income (ytd only)* | 38.1428% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 2,379 |
| Loan loss allowance to noncurrent loans | 84.5079% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.7522% | 3,325 |
| Noncurrent loans to loans | 2.3286% | 2,826 |
| Net loans and leases to total assets | 72.2604% | 1,600 |
| Net loans and leases to deposits | 83.2370% | 2,033 |
| Net loans and leases to core deposits | 91.1518% | 1,969 |
| Total domestic deposits to total assets | 86.8129% | 2,864 |
| Equity capital to assets | 9.1902% | 5,305 |
| Core capital (leverage) ratio | 8.8181% | 5,070 |
| Tier 1 risk-based capital ratio | 11.2447% | 6,319 |
| Total risk-based capital ratio | 12.5021% | 6,288 |
| Memoranda: | ||
| Average total assets | $189,230,200 | 3,193 |
| Average earning assets | $181,242,200 | 3,072 |
| Average equity | $17,117,000 | 3,559 |
| Average total loans | $139,626,600 | 2,795 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 2,096 |
| Cost of funding earning assets | 1.3380% | 1,511 |
| Net interest margin | 3.8909% | 3,424 |
| Noninterest income to average assets | 0.5253% | 3,695 |
| Noninterest expense to average assets | 2.1277% | 6,457 |
| Loan and lease loss provision to assets | 0.4976% | 1,995 |
| Net operating income to assets | 1.0988% | 1,972 |
| Return on assets (ROA) | 1.0997% | 2,117 |
| Pretax return on assets | 1.6308% | 1,302 |
| Return on Equity (ROE) | 12.2086% | 1,486 |
| Retained earnings to average equity (ytd only) | 7.6866% | 1,632 |
| Net charge-offs to loans | 0.1165% | 4,855 |
| Credit loss provision to net charge-offs | 578.5124% | 472 |
| Earnings coverage of net charge-offs (x) | 24.7271% | 1,069 |
| Efficiency ratio | 50.0084% | 6,826 |
| Assets per employee ($millions) | 5.1635% | 1,978 |
| Cash dividends to net income (ytd only)* | 37.0393% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9100% | 2,586 |
| Loan loss allowance to noncurrent loans | 89.0040% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.5818% | 3,720 |
| Noncurrent loans to loans | 2.1460% | 3,189 |
| Net loans and leases to total assets | 71.5837% | 1,800 |
| Net loans and leases to deposits | 81.7449% | 2,407 |
| Net loans and leases to core deposits | 89.4499% | 2,319 |
| Total domestic deposits to total assets | 87.5697% | 2,311 |
| Equity capital to assets | 9.2856% | 5,404 |
| Core capital (leverage) ratio | 8.9114% | 5,079 |
| Tier 1 risk-based capital ratio | 11.6646% | 6,131 |
| Total risk-based capital ratio | 12.9221% | 6,118 |
| Memoranda: | ||
| Average total assets | $187,556,250 | 3,237 |
| Average earning assets | $179,764,750 | 3,112 |
| Average equity | $16,894,750 | 3,606 |
| Average total loans | $138,428,500 | 2,844 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2460% | 2,076 |
| Cost of funding earning assets | 1.3684% | 1,557 |
| Net interest margin | 3.8776% | 3,403 |
| Noninterest income to average assets | 0.5193% | 3,710 |
| Noninterest expense to average assets | 2.1331% | 6,532 |
| Loan and lease loss provision to assets | 0.4829% | 2,041 |
| Net operating income to assets | 1.0930% | 1,894 |
| Return on assets (ROA) | 1.0945% | 1,974 |
| Pretax return on assets | 1.6181% | 1,225 |
| Return on Equity (ROE) | 12.2795% | 1,415 |
| Retained earnings to average equity (ytd only) | 7.6807% | 1,589 |
| Net charge-offs to loans | 0.2187% | 3,815 |
| Credit loss provision to net charge-offs | 298.0132% | 1,027 |
| Earnings coverage of net charge-offs (x) | 12.9536% | 1,588 |
| Efficiency ratio | 50.4057% | 6,905 |
| Assets per employee ($millions) | 5.0797% | 2,010 |
| Cash dividends to net income (ytd only)* | 37.4510% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 3,339 |
| Loan loss allowance to noncurrent loans | 151.3977% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 5,176 |
| Noncurrent loans to loans | 1.1195% | 4,798 |
| Net loans and leases to total assets | 73.5374% | 1,497 |
| Net loans and leases to deposits | 83.8879% | 2,124 |
| Net loans and leases to core deposits | 94.1749% | 1,878 |
| Total domestic deposits to total assets | 87.6615% | 2,361 |
| Equity capital to assets | 9.1201% | 5,395 |
| Core capital (leverage) ratio | 8.8017% | 5,044 |
| Tier 1 risk-based capital ratio | 11.2311% | 6,366 |
| Total risk-based capital ratio | 12.4858% | 6,356 |
| Memoranda: | ||
| Average total assets | $186,392,000 | 3,281 |
| Average earning assets | $178,460,670 | 3,154 |
| Average equity | $16,613,000 | 3,635 |
| Average total loans | $138,097,000 | 2,885 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1879% | 2,263 |
| Cost of funding earning assets | 1.3883% | 1,673 |
| Net interest margin | 3.7997% | 3,620 |
| Noninterest income to average assets | 0.5366% | 3,609 |
| Noninterest expense to average assets | 2.0947% | 6,649 |
| Loan and lease loss provision to assets | 0.4849% | 1,814 |
| Net operating income to assets | 1.0797% | 1,911 |
| Return on assets (ROA) | 1.0797% | 1,962 |
| Pretax return on assets | 1.5904% | 1,217 |
| Return on Equity (ROE) | 12.2576% | 1,388 |
| Retained earnings to average equity (ytd only) | 7.5846% | 1,902 |
| Net charge-offs to loans | 0.0088% | 4,979 |
| Credit loss provision to net charge-offs | 7,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 88 |
| Efficiency ratio | 50.2326% | 6,971 |
| Assets per employee ($millions) | 5.0415% | 2,105 |
| Cash dividends to net income (ytd only)* | 38.1238% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 3,461 |
| Loan loss allowance to noncurrent loans | 130.1354% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 4,840 |
| Noncurrent loans to loans | 1.2809% | 4,558 |
| Net loans and leases to total assets | 72.9277% | 1,531 |
| Net loans and leases to deposits | 82.6574% | 2,244 |
| Net loans and leases to core deposits | 91.1311% | 2,225 |
| Total domestic deposits to total assets | 88.2290% | 2,240 |
| Equity capital to assets | 8.8895% | 5,366 |
| Core capital (leverage) ratio | 8.8189% | 4,899 |
| Tier 1 risk-based capital ratio | 11.0357% | 6,487 |
| Total risk-based capital ratio | 12.2896% | 6,465 |
| Memoranda: | ||
| Average total assets | $185,614,000 | 3,306 |
| Average earning assets | $177,489,500 | 3,190 |
| Average equity | $16,349,000 | 3,668 |
| Average total loans | $136,848,000 | 2,950 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 2,622 |
| Cost of funding earning assets | 1.7354% | 1,440 |
| Net interest margin | 3.6755% | 4,465 |
| Noninterest income to average assets | 0.9849% | 1,559 |
| Noninterest expense to average assets | 2.1749% | 6,680 |
| Loan and lease loss provision to assets | 0.5112% | 3,108 |
| Net operating income to assets | 1.4319% | 887 |
| Return on assets (ROA) | 1.4575% | 907 |
| Pretax return on assets | 1.8403% | 699 |
| Return on Equity (ROE) | 16.4258% | 537 |
| Retained earnings to average equity (ytd only) | 13.7628% | 172 |
| Net charge-offs to loans | 0.6837% | 2,959 |
| Credit loss provision to net charge-offs | 107.3986% | 4,136 |
| Earnings coverage of net charge-offs (x) | 4.8723% | 2,775 |
| Efficiency ratio | 48.3948% | 7,243 |
| Assets per employee ($millions) | 4.9917% | 2,162 |
| Cash dividends to net income (ytd only)* | 16.2120% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 3,823 |
| Loan loss allowance to noncurrent loans | 122.7326% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9957% | 5,011 |
| Noncurrent loans to loans | 1.2545% | 4,622 |
| Net loans and leases to total assets | 72.1577% | 2,070 |
| Net loans and leases to deposits | 84.8984% | 2,299 |
| Net loans and leases to core deposits | 93.4625% | 2,328 |
| Total domestic deposits to total assets | 84.9930% | 3,849 |
| Equity capital to assets | 8.7258% | 5,546 |
| Core capital (leverage) ratio | 8.8185% | 4,831 |
| Tier 1 risk-based capital ratio | 11.2245% | 6,162 |
| Total risk-based capital ratio | 12.4773% | 6,144 |
| Memoranda: | ||
| Average total assets | $176,054,000 | 3,437 |
| Average earning assets | $168,084,400 | 3,314 |
| Average equity | $15,621,800 | 3,836 |
| Average total loans | $122,560,600 | 3,264 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 2,768 |
| Cost of funding earning assets | 1.8026% | 1,410 |
| Net interest margin | 3.6220% | 4,776 |
| Noninterest income to average assets | 1.1286% | 1,097 |
| Noninterest expense to average assets | 2.0579% | 6,939 |
| Loan and lease loss provision to assets | 0.5175% | 2,870 |
| Net operating income to assets | 1.6227% | 717 |
| Return on assets (ROA) | 1.6500% | 740 |
| Pretax return on assets | 2.0456% | 567 |
| Return on Equity (ROE) | 18.5134% | 431 |
| Retained earnings to average equity (ytd only) | 15.8293% | 173 |
| Net charge-offs to loans | 1.0578% | 1,920 |
| Credit loss provision to net charge-offs | 71.2777% | 5,382 |
| Earnings coverage of net charge-offs (x) | 3.4836% | 3,431 |
| Efficiency ratio | 44.8604% | 7,432 |
| Assets per employee ($millions) | 4.7861% | 2,470 |
| Cash dividends to net income (ytd only)* | 14.4982% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 4,424 |
| Loan loss allowance to noncurrent loans | 146.1988% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 5,596 |
| Noncurrent loans to loans | 0.9622% | 5,309 |
| Net loans and leases to total assets | 69.2613% | 2,914 |
| Net loans and leases to deposits | 80.7357% | 3,316 |
| Net loans and leases to core deposits | 87.5273% | 3,443 |
| Total domestic deposits to total assets | 85.7877% | 3,192 |
| Equity capital to assets | 9.2452% | 5,229 |
| Core capital (leverage) ratio | 8.9910% | 4,708 |
| Tier 1 risk-based capital ratio | 12.0552% | 5,412 |
| Total risk-based capital ratio | 13.3069% | 5,380 |
| Memoranda: | ||
| Average total assets | $173,894,000 | 3,513 |
| Average earning assets | $166,053,000 | 3,387 |
| Average equity | $15,498,250 | 3,904 |
| Average total loans | $119,362,000 | 3,381 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 2,917 |
| Cost of funding earning assets | 1.8390% | 1,492 |
| Net interest margin | 3.5748% | 4,924 |
| Noninterest income to average assets | 1.4662% | 589 |
| Noninterest expense to average assets | 2.0344% | 7,041 |
| Loan and lease loss provision to assets | 0.5207% | 2,705 |
| Net operating income to assets | 1.9439% | 368 |
| Return on assets (ROA) | 1.9487% | 401 |
| Pretax return on assets | 2.3248% | 318 |
| Return on Equity (ROE) | 22.1477% | 203 |
| Retained earnings to average equity (ytd only) | 19.4121% | 96 |
| Net charge-offs to loans | 1.3290% | 1,427 |
| Credit loss provision to net charge-offs | 57.5448% | 5,272 |
| Earnings coverage of net charge-offs (x) | 3.1381% | 3,435 |
| Efficiency ratio | 41.7379% | 7,602 |
| Assets per employee ($millions) | 4.7982% | 2,452 |
| Cash dividends to net income (ytd only)* | 12.3515% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 4,175 |
| Loan loss allowance to noncurrent loans | 105.6250% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 5,000 |
| Noncurrent loans to loans | 1.3735% | 4,650 |
| Net loans and leases to total assets | 66.4600% | 3,742 |
| Net loans and leases to deposits | 76.1312% | 4,310 |
| Net loans and leases to core deposits | 82.3646% | 4,363 |
| Total domestic deposits to total assets | 87.2967% | 2,381 |
| Equity capital to assets | 9.1702% | 5,187 |
| Core capital (leverage) ratio | 8.8345% | 4,856 |
| Tier 1 risk-based capital ratio | 12.2602% | 5,069 |
| Total risk-based capital ratio | 13.5119% | 5,042 |
| Memoranda: | ||
| Average total assets | $172,830,000 | 3,553 |
| Average earning assets | $164,766,330 | 3,427 |
| Average equity | $15,207,000 | 3,949 |
| Average total loans | $117,682,000 | 3,440 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3971% | 3,048 |
| Cost of funding earning assets | 1.8622% | 1,602 |
| Net interest margin | 3.5349% | 5,015 |
| Noninterest income to average assets | 2.4248% | 264 |
| Noninterest expense to average assets | 1.9991% | 7,161 |
| Loan and lease loss provision to assets | 0.5206% | 2,418 |
| Net operating income to assets | 2.8955% | 102 |
| Return on assets (ROA) | 2.9038% | 107 |
| Pretax return on assets | 3.2786% | 112 |
| Return on Equity (ROE) | 33.7128% | 60 |
| Retained earnings to average equity (ytd only) | 30.9190% | 60 |
| Net charge-offs to loans | 0.1116% | 4,316 |
| Credit loss provision to net charge-offs | 681.8182% | 650 |
| Earnings coverage of net charge-offs (x) | 49.6364% | 585 |
| Efficiency ratio | 34.5324% | 7,807 |
| Assets per employee ($millions) | 4.7489% | 2,571 |
| Cash dividends to net income (ytd only)* | 8.2869% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 2,430 |
| Loan loss allowance to noncurrent loans | 95.2668% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5237% | 4,215 |
| Noncurrent loans to loans | 1.9979% | 3,792 |
| Net loans and leases to total assets | 66.7456% | 3,691 |
| Net loans and leases to deposits | 76.3317% | 4,352 |
| Net loans and leases to core deposits | 83.8747% | 4,216 |
| Total domestic deposits to total assets | 87.4416% | 2,389 |
| Equity capital to assets | 9.0611% | 5,187 |
| Core capital (leverage) ratio | 8.5741% | 5,249 |
| Tier 1 risk-based capital ratio | 12.0611% | 5,139 |
| Total risk-based capital ratio | 13.3179% | 5,092 |
| Memoranda: | ||
| Average total assets | $172,878,000 | 3,614 |
| Average earning assets | $164,532,500 | 3,485 |
| Average equity | $14,890,500 | 4,041 |
| Average total loans | $118,278,500 | 3,488 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 3,064 |
| Cost of funding earning assets | 2.2510% | 1,835 |
| Net interest margin | 3.4565% | 5,141 |
| Noninterest income to average assets | 0.4999% | 4,414 |
| Noninterest expense to average assets | 2.0976% | 7,195 |
| Loan and lease loss provision to assets | 0.9554% | 2,364 |
| Net operating income to assets | 0.5749% | 3,427 |
| Return on assets (ROA) | 0.6513% | 3,190 |
| Pretax return on assets | 0.8388% | 3,118 |
| Return on Equity (ROE) | 7.8718% | 2,426 |
| Retained earnings to average equity (ytd only) | 5.1487% | 1,741 |
| Net charge-offs to loans | 0.9980% | 2,415 |
| Credit loss provision to net charge-offs | 135.8974% | 3,636 |
| Earnings coverage of net charge-offs (x) | 2.4128% | 3,923 |
| Efficiency ratio | 55.2898% | 7,098 |
| Assets per employee ($millions) | 4.7242% | 2,582 |
| Cash dividends to net income (ytd only)* | 34.5941% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 2,954 |
| Loan loss allowance to noncurrent loans | 77.1461% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.6557% | 3,889 |
| Noncurrent loans to loans | 2.1799% | 3,408 |
| Net loans and leases to total assets | 67.6289% | 3,791 |
| Net loans and leases to deposits | 78.8837% | 4,192 |
| Net loans and leases to core deposits | 99.0465% | 4,103 |
| Total domestic deposits to total assets | 85.7324% | 3,148 |
| Equity capital to assets | 8.1753% | 6,374 |
| Core capital (leverage) ratio | 8.0934% | 6,003 |
| Tier 1 risk-based capital ratio | 10.6847% | 6,221 |
| Total risk-based capital ratio | 11.9385% | 6,197 |
| Memoranda: | ||
| Average total assets | $166,428,800 | 3,664 |
| Average earning assets | $158,597,800 | 3,544 |
| Average equity | $13,770,600 | 4,322 |
| Average total loans | $117,233,600 | 3,545 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7561% | 3,080 |
| Cost of funding earning assets | 2.3405% | 1,844 |
| Net interest margin | 3.4156% | 5,193 |
| Noninterest income to average assets | 0.5095% | 4,408 |
| Noninterest expense to average assets | 2.1760% | 7,033 |
| Loan and lease loss provision to assets | 0.6815% | 2,694 |
| Net operating income to assets | 0.6852% | 3,262 |
| Return on assets (ROA) | 0.7278% | 3,171 |
| Pretax return on assets | 0.9695% | 2,995 |
| Return on Equity (ROE) | 8.7676% | 2,352 |
| Retained earnings to average equity (ytd only) | 5.1022% | 2,429 |
| Net charge-offs to loans | 1.0027% | 1,963 |
| Credit loss provision to net charge-offs | 95.8904% | 5,308 |
| Earnings coverage of net charge-offs (x) | 2.2431% | 4,143 |
| Efficiency ratio | 57.7147% | 6,758 |
| Assets per employee ($millions) | 4.5259% | 2,826 |
| Cash dividends to net income (ytd only)* | 41.8062% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 4,013 |
| Loan loss allowance to noncurrent loans | 56.4935% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.6804% | 3,857 |
| Noncurrent loans to loans | 2.4565% | 3,067 |
| Net loans and leases to total assets | 66.4519% | 4,319 |
| Net loans and leases to deposits | 75.7453% | 5,090 |
| Net loans and leases to core deposits | 93.4301% | 5,077 |
| Total domestic deposits to total assets | 87.7307% | 1,786 |
| Equity capital to assets | 8.5747% | 6,145 |
| Core capital (leverage) ratio | 8.2246% | 5,973 |
| Tier 1 risk-based capital ratio | 11.2320% | 5,711 |
| Total risk-based capital ratio | 12.4827% | 5,662 |
| Memoranda: | ||
| Average total assets | $164,337,250 | 3,716 |
| Average earning assets | $156,885,750 | 3,602 |
| Average equity | $13,640,750 | 4,378 |
| Average total loans | $116,483,500 | 3,582 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7661% | 3,215 |
| Cost of funding earning assets | 2.4265% | 1,856 |
| Net interest margin | 3.3396% | 5,405 |
| Noninterest income to average assets | 0.5034% | 4,414 |
| Noninterest expense to average assets | 2.2523% | 6,912 |
| Loan and lease loss provision to assets | 0.5511% | 2,816 |
| Net operating income to assets | 0.6635% | 3,413 |
| Return on assets (ROA) | 0.7251% | 3,257 |
| Pretax return on assets | 0.9712% | 3,110 |
| Return on Equity (ROE) | 8.8349% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.0293% | 2,010 |
| Net charge-offs to loans | 1.1368% | 1,604 |
| Credit loss provision to net charge-offs | 67.2646% | 5,467 |
| Earnings coverage of net charge-offs (x) | 1.7578% | 4,239 |
| Efficiency ratio | 60.9950% | 6,399 |
| Assets per employee ($millions) | 4.3806% | 2,963 |
| Cash dividends to net income (ytd only)* | 31.7568% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 4,959 |
| Loan loss allowance to noncurrent loans | 73.1359% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 4,582 |
| Noncurrent loans to loans | 1.6381% | 4,039 |
| Net loans and leases to total assets | 70.3672% | 3,613 |
| Net loans and leases to deposits | 80.1938% | 4,516 |
| Net loans and leases to core deposits | 98.4310% | 4,656 |
| Total domestic deposits to total assets | 87.7465% | 1,907 |
| Equity capital to assets | 8.3852% | 6,224 |
| Core capital (leverage) ratio | 8.2250% | 5,937 |
| Tier 1 risk-based capital ratio | 10.9714% | 5,902 |
| Total risk-based capital ratio | 12.1115% | 5,962 |
| Memoranda: | ||
| Average total assets | $163,297,000 | 3,754 |
| Average earning assets | $155,946,000 | 3,632 |
| Average equity | $13,401,330 | 4,447 |
| Average total loans | $117,696,330 | 3,588 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7419% | 3,576 |
| Cost of funding earning assets | 2.5119% | 1,875 |
| Net interest margin | 3.2300% | 5,759 |
| Noninterest income to average assets | 0.3954% | 5,250 |
| Noninterest expense to average assets | 2.1793% | 6,925 |
| Loan and lease loss provision to assets | 0.3661% | 3,124 |
| Net operating income to assets | 0.6879% | 3,612 |
| Return on assets (ROA) | 0.7565% | 3,495 |
| Pretax return on assets | 1.0274% | 3,259 |
| Return on Equity (ROE) | 9.3188% | 2,607 |
| Retained earnings to average equity (ytd only) | 3.6674% | 3,862 |
| Net charge-offs to loans | 0.2087% | 3,392 |
| Credit loss provision to net charge-offs | 241.9355% | 1,927 |
| Earnings coverage of net charge-offs (x) | 8.5968% | 2,169 |
| Efficiency ratio | 62.6227% | 5,946 |
| Assets per employee ($millions) | 4.4408% | 2,813 |
| Cash dividends to net income (ytd only)* | 60.6452% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 3,292 |
| Loan loss allowance to noncurrent loans | 40.5762% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 2.6590% | 2,157 |
| Noncurrent loans to loans | 3.5483% | 1,783 |
| Net loans and leases to total assets | 70.4092% | 3,591 |
| Net loans and leases to deposits | 80.5613% | 4,527 |
| Net loans and leases to core deposits | 100.5388% | 4,492 |
| Total domestic deposits to total assets | 87.3983% | 2,014 |
| Equity capital to assets | 8.1650% | 6,580 |
| Core capital (leverage) ratio | 8.0663% | 6,356 |
| Tier 1 risk-based capital ratio | 10.6043% | 6,288 |
| Total risk-based capital ratio | 11.8555% | 6,206 |
| Memoranda: | ||
| Average total assets | $163,903,500 | 3,763 |
| Average earning assets | $156,533,000 | 3,636 |
| Average equity | $13,306,500 | 4,502 |
| Average total loans | $118,826,000 | 3,586 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2671% | 4,144 |
| Cost of funding earning assets | 2.9541% | 2,043 |
| Net interest margin | 3.3130% | 5,992 |
| Noninterest income to average assets | 0.7225% | 2,964 |
| Noninterest expense to average assets | 2.2422% | 6,860 |
| Loan and lease loss provision to assets | 0.5536% | 2,604 |
| Net operating income to assets | 0.7759% | 3,542 |
| Return on assets (ROA) | 0.8135% | 3,214 |
| Pretax return on assets | 1.1129% | 2,983 |
| Return on Equity (ROE) | 10.1286% | 2,216 |
| Retained earnings to average equity (ytd only) | 4.2672% | 2,468 |
| Net charge-offs to loans | 0.4700% | 2,478 |
| Credit loss provision to net charge-offs | 163.6364% | 3,150 |
| Earnings coverage of net charge-offs (x) | 4.7737% | 3,866 |
| Efficiency ratio | 58.1286% | 6,677 |
| Assets per employee ($millions) | 4.4188% | 2,755 |
| Cash dividends to net income (ytd only)* | 57.8704% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 3,580 |
| Loan loss allowance to noncurrent loans | 38.0703% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 2.7738% | 1,700 |
| Noncurrent loans to loans | 3.4987% | 1,445 |
| Net loans and leases to total assets | 72.5828% | 3,469 |
| Net loans and leases to deposits | 84.4644% | 4,347 |
| Net loans and leases to core deposits | 106.9571% | 4,083 |
| Total domestic deposits to total assets | 85.9330% | 2,429 |
| Equity capital to assets | 8.0718% | 6,743 |
| Core capital (leverage) ratio | 7.8947% | 6,659 |
| Tier 1 risk-based capital ratio | 10.3289% | 6,390 |
| Total risk-based capital ratio | 11.5791% | 6,265 |
| Memoranda: | ||
| Average total assets | $159,307,000 | 3,731 |
| Average earning assets | $150,740,400 | 3,640 |
| Average equity | $12,795,400 | 4,622 |
| Average total loans | $114,671,000 | 3,571 |